Whatever future you imagine, help make it possible with a Columbia Threadneedle ISA

Sponsored by Columbia Threadneedle Investments

A Columbia Threadneedle ISA could help you reach your financial goals, be that a comfortable retirement, to pay your mortgage, cover university costs or travel the world.

When deciding which type of ISA best suits your needs, it’s important to think about your goals, both short and long-term, and factors such as the level of risk you are willing to take with your money.

Our ISAs lets you tap into the potential of the stock market and the skills of our fund managers by investing through our range of investment trusts.

You can invest in our range of funds from as little as £25 per month or £100 by lump sum and you have the flexibility to stop and start contributions when you want.

What you should know:

• Tax-efficient

An ISA is the simplest way to invest tax efficiently as it reduces the impact of tax on your investments. Any returns you make are free of capital gains tax and there is no further income tax to pay.

• Maximise your tax-free allowance

For the tax year 2023/24, the ISA allowance is £20,000. This means the maximum amount you can invest in an ISA in the financial year ending 5 April 2024 is £20,000, with the limit being reset on 6 April 2024 for the following year. You can’t roll any of your allowance into the following tax year, so it may be worth looking to add to your investment pot before 5 April.

• Invest in a way that suits you

You might not want to invest large sums into your ISA in one go. For some investors, a monthly Direct Debit may be an alternative option. With the CT ISA, you can invest from £25 a month and your Direct Debit can be managed online.

• Tailor your investments

Our investment trusts range from the fairly cautious to the more adventurous, offering you the potential for growth, income, or a combination of both. You can choose as many of our investment trusts as you want to build your investment portfolio.

• Managing your ISA

Investing should be viewed as a long-term commitment. Over time your circumstances and requirements may change so it is important to regularly review your investments. With Columbia Threadneedle, you can buy, switch, and update your funds online using our Investor Portal.

Our other ISA Products

The Columbia Threadneedle Junior ISA (JISA)

If you have children under 18, and want to give them a financial boost, for example to help with a deposit on a first home or university fees, a Junior ISA could be the answer. A JISA can be opened by a parent or guardian and allows investments of up to £9,000 every tax year on the child’s behalf.

It is also worth knowing the amount you can invest in a JISA for your child is separate from your own ISA annual allowance. A JISA could be a great way to help build a child’s financial future and as they take ownership of the investment at 18 and provide them with the foundation to continue saving for their own life goals.

Columbia Threadneedle Lifetime ISA (LISA)

Available to those aged 18 to 39, a Lifetime ISA could give you a head start on saving for your first home valued up to £450,000 or retirement. A LISA is tax efficient, just like an ISA. Each year, you can invest up to £4,000 in a LISA and the government will add a 25% bonus to your savings, up to a maximum of £1,000 for each tax year.

Why choose Columbia Threadneedle Investments?

Here’s a few reasons to invest with us:

• With our investment trusts, you’ll have access to a diversified and professionally run portfolio of shares and you can invest from as little as £25 per month.

• Our range of trusts give you plenty of choice. You can invest in a specific region or assets like property, equities, bonds and private equity.

• We can trace our investment roots back to 1868, when F&C Investment Trust, the world’s oldest collective investment fund launched.

• No dealing charges (for investments made online using the Investor Portal). Dealing charges apply for postal applications. Government stamp duty and Annual Management charges apply regardless of way of investing.

Remember there’s always an element of risk involved with Stocks and Shares investing. The value of your investments can go down as well as up and you may get back less than you originally put in. You also need to be aged 18 or over 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.

The value of your investment is dependent on the supply and demand for the shares of the investment trust rather than its underlying assets. The value of your investment will not be the same as the value of the investment trust’s underlying assets.

Columbia Threadneedle Investments does not give any investment advice. If you are in doubt about the suitability of any investment, you should speak to your financial adviser.

Columbia Threadneedle Investments is the global brand name of the Columbia and Threadneedle group of companies. Issued by Columbia Threadneedle Management Limited, authorised and regulated in the UK by the Financial Conduct Authority.