CT General Investment Account
Harness stock market potential with a flexible
savings plan.
General Investment Account (GIA) explained
Our General Investment Account (CT GIA) is one of our most flexible solutions for long-term invetors.
If you’re looking to pay off your mortgage, invest for retirement or just build a portfolio, a General Investment Account (GIA) can help you harness the potential of the stock market to reach your investing goals without any investment limits.
The CT GIA could be the right solution if you’ve maxed out your ISA allowance for the year.
CT Savings Plans can help longer-term investors that intend to keep their money invested for at least five years. The opening investment amount of £2,000 for a CT GIA helps ensure investors with smaller sums to invest can get value for money and reduces the risk they receive a poor financial outcome.
Reasons to choose Columbia Threadneedle for your General investment Account
No online dealing charges
Benefit from our expertise
Responsible Investing
Investment Trust Options
Getting started is easy
3steps towards your goals
Choose a savings plan
Choose your strategy
Invest in your future
Let's talk about risk
The value of your investments and any income from them can go down as well as up and you may not get back the original amount invested. Columbia Threadneedle Management Limited is authorised and regulated by the Financial Conduct Authority and assets are protected by the Financial Services Compensation Scheme.
A cost-effective way to invest
Our CT GIA features a flat annual fee of £40 + VAT (£48), regardless of how much you invest. A Government stamp duty of 0.5% applies on the purchase of UK shares.
You can start investing in a CT GIA with an opening investment amount of £2,000. Once you have the opening investment amount deposited, a monthly Direct Debit can be arranged from as little as £25 a month. You can also make one-off investments at your convenience from £100.
There are no dealing charges payable for Direct Debits or online one-off contributions, sales and switches.
If you send instructions in the post, there is a £12 charge for each fund selected.
Please read the pre-sales costs disclosure before you invest.
Invest in our Investment Trusts through a CT GIA
With a CT General Investment Account you invest through our diverse range of Investment Trusts.
Our Investment Trusts provide a range of investment opportunities, including access to equities, bonds, property and private equity.
Each trust has different aims and strategies. You can select a trust that aims for capital growth, income or both. Some have a specific regional focus, while others take a global approach.
Please see the Key Information Documents (KIDs) for further details on the risks for each trust. View the latest performance of our Investment Trusts.
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Manage your investments on
the go
Manage your investments on the go
With our CT UK app you can:
– Make changes to your investment choices
– Add cash to invest later, or withdraw cash
– Make lump sum investments
Search 'CT UK' to download the app
Invest now
Columbia Threadneedle offer a range of Savings Plans designed to make investing easy.
Start investing from £2,000 for an adult account and £1,000 for a child account. Regular monthly contributions can be made from £25 or one-off additional investments from £100 after the minimum opening investment has been made. There are no dealing charges when you deal online.