What is a general investment account?

A general investment account (GIA) provides you with unfettered access to investment markets and funds.

The assets they hold may also be known as ‘unwrapped investments’ because they attract no special tax advantages, such as you would have with an Individual Savings Account (ISA) or an investment bond.

 

General Investment Accounts

Putting your money to work in things like investment funds (also known as mutual funds or collective investments), exchange traded funds (ETFs) and stocks and shares is as easy as opening a General Investment Account.

These accounts are exactly what they sound like – general accounts for your investments.

This means they come with no special tax treatment but also no limitations on how much you can invest or withdraw.

Why use BBi Financial Planning?

Chartered

Our advisers have obtained the highest level of qualification in UK financial services

Experienced

With decades of experience between them our advisers have seen it all.

Technology

We use the best tools available to make sure our research is as good as it gets.

Compliant

We invest heavily in expert compliance support to ensure our staff and processes are always under scruitiny.

Connected

We have relationships with tax and legal experts to provide you with a holistic support network.

Available

A service agreement with us means you will be able to speak to your chartered adviser. You won’t be stranded with someone else.

Benefits of a General Investment Account

A General Investment Account (GIA) is an ideal place to ‘park’ excess funds when you have exceeded your ISA allowance but don’t want to leave your money in cash.

We can advise you on which accounts allow you to easily move your investment to an ISA when your annual allowance is restored.

With the right account, we can arrange to transfer money to your ISA automatically each tax year so you only need to invest once and let us take care of the rest.

Why choose BBi Financial Planning for your general investment account?

Independent Advisers

We are proud of our independence.
It means no-one tells us what to do but you.
You can trust us to put your needs and goals first.

Chartered Professionals

We are a chartered firm and our advisers hold chartered status.
This puts us in the small elite number of firms in the UK, and means we uphold the highest standards.

Bespoke Cover

Our advisers will take the time to understand exactly what you need protected and why, and advise you on the most suitable options for your budget.

What can you do with a General Investment Account?

A world of funds

A GIA allows you to access a world (literally) of investment funds across all countries, industry sectors and business size.

Feed your ISA

The annual contributions you can make to an ISA are limited, but by opening a GIA alongside your ISA you can park additional funds here, (using the same investments if you wish), and automatically transfer them to your ISA at the start of each new tax-year.

Beat inflation

Investing in equities (stocks and shares) remains the best way to beat inflation over the long term. If that sounds like too much risk for you we can advise on a range of investment options and recommend something that suits your attitude to investment risk.

What are the benefits of a General Investment Account?

General Investment Accounts are simple, unwrapped investments which benefit from no special tax-treatment or limitations.

But don’t rush in, have you used your ISA allowance yet?

Unlimited investment

Available to all

There are no special tax breaks for a GIA which means you can invest as much as you want.

Small charges, big opportunities

Easy to get started

Our investment platforms provide access to low cost investment options, and they sometimes allow you to invest in funds you could not access directly.

Thousands of funds

A world of choice

Investment options number in the thousands. It’s a lot to choose from but we are here to advise you and make recommendations that suit your needs.