General Investment Account (GIA)
General Investment Accounts (GIAs) are a simple way to invest. You can access a wide variety of investment types and can be an option if you’ve used up your annual ISA allowance. You can start a GIA with as little or as much as you like and there’s no limit to how much you can put in.
Saving for Your Future
Whatever you’re saving for we can advise on a range of investment and savings options that could help you to meet your goals. Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time and should not consider investments unless you have some savings in place. Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your investments.
Investing this way can be easier and less risky than buying shares in individual companies direct, and there are lots of funds to choose from.
There is a diverse range of funds that invest in different things, with different strategies – high income, capital growth, income and growth, and so on. We recommend getting financial advice due to the wide variety of options available to a retail investor.
Please remember the value of investments and any income can go down as well as up and you may get back less than you invest.