CT Lifetime ISA

Get a head start on buying your first home or save for your retirement, with a 25% government bonus on your yearly contributions of up to £4000

Lifetime Individual Savings Account (LISA) explained

A Lifetime ISA can be opened by people aged 18 to 39 to help towards a first home or retirement. With a Lifetime ISA, you can invest up to £4,000 in the 2024/25 tax year and the government will give you a 25% bonus up to £1,000.

It acts as a wrapper to hold a range of different investments. The right Lifetime ISA for you depends on your goals and your attitude towards risk.

Reasons to choose Columbia Threadneedle for your
CT Lifetime ISA

No online dealing charges

Investments using our Investor Portal mean you won't pay dealing charges. Government stamp duty and Annual Management Charges apply.

Benefit from our expertise

We can trace our investment roots back to 1868 when F&C Investment Trust started.

Responsible Investing

We've led the way in responsible investing for over 35 years, engaging with 5,500 companies we invest in to ensure ESG is a key consideration.

Cost-effective Investing

Whether it's growth or income you're looking for, our range of investment trusts could meet you investment needs.

Getting started is easy

3 steps towards
your goals

Choose a savings plan

Select the savings plan that's right for you.

Choose your strategy

Choose which of our investment trusts you would like to invest in.

Invest in your future

Decide how much you'd like to invest. Starts from £25 per month or £100 lump sum.

Let's talk about risk

There’s an element of risk involved with a Lifetime ISA. The value of your investments can go down as well as up and you may get back less than you originally put in. You need to be aged between 18-39 and be a UK resident, and you should consider this as a longer-term investment. Tax allowances and the benefits of tax-efficient accounts are subject to change and tax treatment depends upon your individual circumstances.

Any withdrawals made from your Lifetime ISA that are not for an eligible house purchase or retirement when you are 60 years old will incur a Government withdrawal charge of 25% which means you could get back less than what you put in.

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A cost-effective way to invest

Invest from as little as £25, with no dealing charges on investments made by a monthly direct debit. One-off contributions, sales and switches can be made online without any dealing charges. If you need to send instructions via post, there will be a £12 charge for each transaction, for each fund selected.


There’s an annual charge of £60 + VAT for the CT Lifetime ISA and Government stamp duty of 0.5% applies on purchases of UK shares.


Make sure you read the pre-sales costs disclosure before you invest.

How to open a CT Lifetime ISA

Investing in a CT Lifetime Individual Savings Account is straightforward.

Choose the Investment Trust(s) that best suits your investment needs and finally, decide how much to invest. Please make sure you read the Key Features and Terms & Conditions, the relevant Key Information Document and Pre-Sales Disclosure documents.

Our Investor Portal is the quickest and most cost-effective way to invest. You can set-up a monthly direct debit or invest a lump sum using your debit card. Alternatively, you can download an application form and send it into us.
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Invest in a CT LISA through our investment trusts

Choose a CT LISA to invest in our diverse range of investment trusts. Our investment trusts provide a wealth of investment opportunities, including equities, bonds, property, and private equity.


Each Trust has unique goals and strategies. Choose a Trust focused on capital growth, or aim for income, or one that covers both. Some invest in specific regions, while others take a global approach, and invest in companies all over the world.


Please see the Key Information Documents (KIDs) for further details on the risks for each trust. View the latest performance of our Investment Trusts.

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Manage your investments on
the go

Manage your investments on the go

With our CT UK app you can:

– Make changes to your investment choices
– Add cash to invest later, or withdraw cash
– Make lump sum investments

Search 'CT UK' to download the app

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Invest now

Columbia Threadneedle offer a range of Savings Plans designed to make investing easy.
Start from £25 a month or one off £100, and there are no charges when you deal using our Investor Portal.

Frequently asked questions

Can I have more than one Lifetime ISA?
Who can make contributions to my Lifetime ISA?
Can I transfer proceeds from my General Investment Account into my Lifetime ISA?
Do I get taxed on my LISA?
How do I make a top-up payment into my account?
What proof of bank/building society details can you accept?
What do you mean by tax-efficient?

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Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.