General Investment Accounts (GIAs)
The unwrapped account UK investors use once ISA and pension allowances are used up, and the tax rules that come with it.
01
Navigating the Capital Gains Tax (CGT) Maze on Non-ISA Fund Holdings
How Capital Gains Tax applies to funds held in a General Investment Account, and the annual exempt amount.
Read guide →02
The Bed and ISA Strategy: Moving GIA Holdings Into Tax-Sheltered Wrappers
How the bed and ISA process works to move investments from a taxable account into an ISA.
Read guide →03
Dividend Allowance and Interest Allowance: What You Can Earn Tax-Free Outside an ISA
How the dividend allowance and personal savings allowance work for GIA investors, and current rates.
Read guide →04
Using a GIA When You've Maxed Out Your ISA and Pension Allowances
Practical strategies for investing tax-efficiently in a General Investment Account once other allowances are used.
Read guide →05
Reporting Investment Income to HMRC: Self-Assessment for Fund Investors
What GIA investors need to report to HMRC, and how dividends and gains are declared via Self-Assessment.
Read guide →06
Spouse Transfers and GIAs: Splitting Assets to Use Both Partners' Tax Allowances
How inter-spouse transfers of investments can be used to make use of two sets of tax allowances.
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Not financial advice. The guides in General Investment Accounts (GIAs) are educational and general in nature,
not a personal recommendation. Please seek advice from an FCA-authorised financial adviser before acting.