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 investors.

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.

Reasons to choose Columbia Threadneedle for your General investment Account

No online dealing charges

Investments using our Investor Portal mean you won't pay dealing charges. Government stamp duty and Annual Management Charges apply.

Benefit from our expertise

We can trace our investment roots back to 1868 when F&C Investment Trust started.

Responsible Investing

We have led the way in responsible investing for over 35 years. Engaging with the companies we invest in to make sure ESG is always a key consideration.

Investment Trust Options

Whether it's growth or income you're looking for, our range of investment trusts could meet your investment needs.

Getting started is easy

3steps towards your goals

Choose a savings plan

Select the savings plan that's right for you.

Choose your strategy

Choose which of our investment trusts you would like to invest in.

Invest in your future

Decide how much & how often you'd like to invest. Start from £25 per month.

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.

Father holding a baby in his arms

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.

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.

A gray-haired woman in glasses looks out the window

Pre title lorem ipsum

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

Application image
Application image

Invest now

Columbia Threadneedle offers a range of Savings Plans designed to make investing easy.
Start from £25 a month or one off £100, and there are no charges when you deal using our Investor Portal.

Frequently asked questions about our CT General Investment Account

What is the maximum I can invest?
Is the CT General Investment Account tax efficient?
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.