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 2025/26 tax year and the government will give you a 25% bonus up to £1,000.
Lifetime ISAs 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.
CT Savings Plans can help longer-term investors that intend to keep their money invested for at least five years. The opening investment amount of £2,000 for a CT LISA helps ensure investors with smaller sums to invest can get value for money and reduces the risk they receive a poor financial outcome.
Reasons to choose Columbia Threadneedle for your
CT Lifetime ISA
No online dealing charges
Benefit from our expertise
Responsible Investing
Cost-effective Investing
Getting started is easy
3 steps towards
your goals
Choose a savings plan
Choose your strategy
Invest in your future
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.
A cost-effective way to invest
Our CT Lifetime ISA features a flat annual fee of £60 + VAT (£72), regardless of how much you invest. A Government stamp duty of 0.5% applies on the purchase of UK shares.
You can start investing in a CT Lifetime ISA with an opening investment amount of £2,000. Once you have the opening investment amount deposited, a monthly Direct Debit can be arranged from as little as £25 a month. You can also make one-off investments at your convenience from £100.
There are no dealing charges payable for Direct Debits or online one-off contributions, sales and switches.
If you send instructions in the post, there is a £12 charge for each fund selected.
Please read the pre-sales cost 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. Your CT Lifetime ISA should be for £2,000 or more. CT Savings Plans can help longer-term investors that keep their money invested for at least five years. The opening investment amount of £2,000 for a CT Lifetime ISA helps ensure investors with smaller sums to invest can get value for money and reduces the risk they receive a poor financial outcome.
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. Once you have the opening investment amount deposited, a monthly Direct Debit can be arranged from as little as £25 a month. You can also make one-off investments at your convenience from £100.
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.
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.
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
Invest now
Columbia Threadneedle offer a range of Savings Plans designed to make investing easy.
Start investing from £2,000 for an adult account and £1,000 for a child account. Regular monthly contributions can be made from £25 or one-off additional investments from £100 after the minimum opening investment has been made. There are no dealing charges when you deal online.
Frequently asked questions
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.