A General Investment Account (GIA) allows you to invest without the contribution limits or withdrawal restrictions of tax-advantaged accounts like ISAs or pensions. This makes it a valuable option for those who have already maximised their ISA and pension allowances, or who want greater flexibility in managing their investments.
You can invest in a broad range of assets, from UK and international shares to bonds, funds, ETFs, and more, and there is no maximum investment limit. A GIA can be opened by individuals, joint applicants, trustees, charities, and even corporate entities.
Key Benefits:
- No contribution limits — invest as much as you choose.
- Flexible withdrawals — access your capital at any time without penalties.
- Diverse investment options — invest in a wide range of asset classes.
- Supports tax planning — use allowances and reliefs strategically.
While GIAs are not tax-sheltered, you can manage liabilities through strategies like using your annual Capital Gains Tax allowance, transferring assets between spouses, or using a “Bed and ISA” approach to move assets into a tax-free environment over time.
Tacit offers both Discretionary Managed GIAs, where our investment team actively manages your portfolio, and Execution-Only GIAs for those who wish to manage specific investments independently.
Your assets are held securely with AJ Bell Securities Ltd, one of the UK’s largest custodians, ensuring strong safeguards and operational expertise while we focus on delivering your investment strategy.
Download the full guide to explore tax implications, estate planning uses, and how a GIA could support your financial goals.
