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 comfortable to take with your money.
At Columbia Threadneedle Investments, we offer a stocks and shares ISA, known as the CT ISA. The CT ISA 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.
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.
Use it or lose it
For the tax year 2025/26, the ISA allowance is £20,000. This means the maximum amount you can invest in an ISA in the financial year ending 5 April 2026 is £20,000, with the limit being reset on 6 April 2026 for the following year. You cannot roll any of your allowance into the following tax year, so it may be worth considering a top up if you’ve not used your full allowance 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 provide a better option. With the CT ISA, you can invest from £25 a month and your Direct Debit can be managed by signing up to our online investment service at digital.columbiathreadneedle.co.uk
Tailor it to your needs
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. You can buy, switch, and update your funds on our Investor Portal. digital.columbiathreadneedle.co.uk. You can also manage your investment with our secure mobile app.
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.
For more information on our savings plans visit www.ctinvest.co.uk/isa
Issued by Columbia Threadneedle Management Limited and approved for distribution 18/11/2025.
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.
