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A General Investment Account (GIA) does not offer any tax efficiency but it is a way to invest if you have used all your ISA allowance . When you invest in a GIA you may have to pay tax on any income or capital gains you earn from your investments.

  • Your money is easily accessible and can be withdrawn at any time.

Alternatively, you can invest up to £20,000 each tax year into an investment ISA, where any investment growth is tax-free. If you don’t already have an investment ISA you should consider this before you invest in a GIA.

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