General Investment Account (GIA) & Savings Plans | Columbia Threadneedle Investments

Harness stock market potential with a flexible investment plan

Our General Investment Account is one of our most flexible solutions for long-term investors.

If you are 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.

Why choose a CT General Investment Account?

Benefit from our expertise

We can trace our investment roots back to 1868, when F&C Investment Trust, the world’s oldest collective investment fund launched, and have been adding to our offering ever since.

Investment trust options

Whether you’re looking for growth or income, join over 100,000 UK Investors and create an investment portfolio that meets your needs with our 10 Investment Trusts.

No online dealing charges

By making an investment using our Investor Portal, you won’t pay any dealing charges. Government stamp duty and Annual Management Charges apply.

Responsible Investment

For over 35 years, we have led the way in responsible investment. We’ve engaged with over 5,500 companies to ensure that generating returns for our investors does not come at the expense of the real world in which we all live.

Open a CT General Investment Account

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.

Invest in a CT GIA through our 10 Investment Trusts

With a CT General Investment Account you invest through our diverse range of Investment Trusts. Our 10 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.

Explore our Investment Trusts

A cost effective way to invest

Invest from as little as £25, with no dealing charges on investments made by a monthly direct debit. One-off contributions, sales and switches can be made online without any dealing charges. If you need to send instructions via post, there will be a £12 charge for each fund selected.

There’s an annual charge of £40 + VAT for the CT General Investment Account and Government stamp duty of 0.5% applies on purchases of UK shares.

Make sure you read the pre-sales costs disclosure before you invest.

How can I open a CT General Investment Account?

Investing in a CT GIA is straightforward.

Choose the Investment Trust(s) that best suits your investment needs and finally, decide how much to invest. Please make sure you read the Key Features and Terms & Conditions, the relevant Key Information Document and Pre-Sales Disclosure documents.

Our Investor Portal is the quickest and most cost-effective way to invest. You can set-up a monthly direct debit or invest a lump sum using your debit card. Alternatively, you can download an application form and send it into us.

Open a CT General Investment Account

Our CT General Investment Account video

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More information

The Key Features gives full details about how the CT GIA works and you should read this before investing. However, here are the answers to some questions you may have if you are considering opening a CT GIA.

What's the maximum I can invest?

Got questions about the CT General Investment Account?

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Glossary

Frequently Asked Questions

Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.