CT Lifetime Individual Savings Account

What is a Lifetime ISA?

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 each 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.

Why choose a CT Lifetime Individual Savings Account

Here are some more reasons to choose CT Lifetime Individual Savings Account.

Ico example

Benefit from our expertise

We can trace our investment roots back to 1868, when F&C Investment Trust, the world’s oldest collective investment fund launched, and have been adding to our offering ever since.
Winning clients

Investment trust options

Whether you're looking for growth or income, join over 100,000 UK Investors and create an investment portfolio that meets your needs with our 10 Investment Trusts.
Winning clients

No online dealing charges

By making an investment using our Investor Portal, you won’t pay any dealing charges. Government stamp duty and Annual Management Charges apply.
The document in hexagon

Responsible Investment

For over 35 years, we have led the way in responsible investment. We’ve engaged with over 5,500 companies to ensure that generating returns for our investors does not come at the expense of the real world in which we all live.

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

Invest in a CT Lifetime Individual Savings Account through our 10 Investment Trust

Choose a CT Lifetime Individual Savings Account to invest in our diverse range of Investment Trusts. Your money is pooled together along with other investors’ money in one big pot known as a fund. A fund manager then buys shares or assets with the money. Our 10 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 regional companies, 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.

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 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 can I open a CT Lifetime Individual Savings Account?

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.

More information

The Key Features gives full details about how the CT Lifetime ISA works and you should read this before investing.  However, here are the answers to some questions you may have if you are considering opening a CT Lifetime ISA.

Can I have more than one ISA?
Who can make contributions to my ISA?

Got questions about the CT Lifetime Individual Savings Account?

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.