Invest through a General Investment Account (GIA)

You can invest in the Quality Shares Portfolio through a General Investment Account (GIA). GIAs are more flexible and have fewer rules than ISAs and SIPPs but are also less tax efficient. 

When you invest through a GIA:

  • There is no maximum limit on how much you can invest 
  • Once invested, you can use your annual allowance for tax-free dividends and tax-free gains, the rest is subject to tax
  • You remain in control: you invest for the long term but can take money out if you need 

Any money you subscribe will be wholly invested in the Quality Shares Portfolio, which invests in equities with only a small amount of cash for liquidity and fees, so it should be considered high risk and held for the long term. Tax rules can change and benefits depend on circumstances.

Important: The information on this website is for experienced investors. It is not a personal recommendation to invest. If you’re unsure, please seek advice.

GIA – your questions answered

How much can I subscribe?

What are the tax benefits?

When and how can I make withdrawals?

Where will my GIA be invested?

What are the charges?

Can I transfer an existing GIA with another provider to the Quality Shares Portfolio?

What happens to my GIA when I die?

Read more:

Wealth Club aims to make it easier for experienced investors to find information on – and apply for – investments. You should base your investment decision on the offer documents and ensure you have read and fully understand them before investing. The information on this webpage is a marketing communication. It is not advice or a personal or research recommendation to buy any of the investments mentioned, nor does it include any opinion as to the present or future value or price of these investments. It does not satisfy legal requirements promoting investment research independence and is thus not subject to prohibitions on dealing ahead of its dissemination. 

The details

Discretionary Share Portfolio
Minimum investment
Initial charge
Annual custody charge
Annual management charge
Next deadline
6 Dec 2023 (5pm)
Last updated: 24 October 2023