Stocks and Shares ISAs that keep investing simple

With the current tax year drawing to a close, a Stocks and Shares ISA may help grow your money over the long term. Your investments remain sheltered from tax, and they could earn more than traditional cash savings.

A savings plan designed to make investing simpler may be a practical choice for you or your family. It can help build financial security and put your money to work toward goals such as buying your first home, preparing for retirement, supporting your children's future, or gaining financial independence later in life.

A Stocks and Shares ISA may help you reach your long-term goals

The current tax year ends on 5 April, so there is still time to use your tax-free savings allowance. You can invest up to 20,000 across all your ISAs during each tax year, with up to 4,000 going into a Lifetime ISA (LISA). A further 9,000 can go into your child's Junior ISA (JISA). ISA investments are not taxed on the income they produce, and any returns remain outside capital gains tax (CGT).

You may hold more than one Stocks and Shares ISA, provided your total contributions remain within the annual ISA allowance. That lets you invest through multiple providers.

Tax-free growth on your investments

A Stocks and Shares ISA lets your investments grow without tax being taken from the returns. Dividends and capital gains are also tax-free. Outside an ISA, profits above the annual capital gains allowance may be subject to capital gains tax (CGT), while investment income may incur dividend tax. With the ISA wrapper, you keep the full amount your investments earn.

Stocks and Shares ISAs may grow your money more than cash savings

Cash savings avoid the risk of investing, but low interest rates can let inflation reduce your money's value over time.

Investing carries risk, but markets have generally risen over long periods. Starting early with modest, regular contributions can help build wealth over time, since compound growth allows even small amounts to accumulate substantially.

Reinvest dividends to grow your investments

Dividends paid into a Stocks and Shares ISA remain free from tax, and reinvesting them gives your money more time to compound. Your returns can then generate further returns, helping your investments grow faster over time.

Columbia Threadneedle makes long-term investing easier

Planning for your family's future can feel complicated. Columbia Threadneedle Savings Plans make investing simpler.

You can start with 2,000 across our seven investment trusts, then add to your investment by direct debit from 25 a month. Regular contributions give your money time to benefit from market growth while spreading your exposure over time. Expert managers run the trusts, with options aimed at generating income, growing your capital over the long term, or combining both. The range covers UK smaller and mid-sized companies, diversified global portfolios, private equity, and property.

Our Savings Plans keep fees straightforward: ISAs and General Investment accounts charge a flat fee, no matter how much you invest. That simplicity may make planning for your future easier.

Get started with a CT Savings Plan

Opening a CT Savings Plan ISA takes only a few steps. Go to ctinvest.co.uk, choose your savings plan and select the investment trust you want to invest in. You can also arrange regular contributions by Direct Debit. After confirming that you have read the Key Information Document and the account terms, you can begin investing. Our mobile app lets you manage your investments securely whenever it suits you.

Investment Risks: Investments can lose value, and income may fall; you could receive less than you originally invested. Tax allowances and the advantages of tax-efficient accounts may change, while the tax treatment that applies will depend on your personal circumstances. Risk varies between trusts. Refer to the Key Information Documents (KIDs) for details of the risks linked to each one.

Issued by Columbia Threadneedle Management Ltd. Regulated and authorized in the UK by the Financial Conduct Authority.