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All about general investments?

General investments are investments without any special tax advantages. Because of this, you would usually only make a general investment if you've already used up your full ISA allowance ({{currentIsaAllowance}} for {{currentTaxYear}}).

Key things to know about general investments are:

  • Tax benefits They do not have the tax benefits of ISAs and you may have to pay tax on investment income and gains
  • Putting money in There is no upper limit on the amount you can invest in a general investment
  • Getting money out The money can be withdrawn at any time, although generally used for longer-term investment (more than 5 years).
  • Risk and return Investments will probably provide higher returns than cash savings in the long term, but there is a risk that you get back less than you put in. Our risk/return explorer can help work out if investing is for you.
  • Minimum investment The minimum investment is £{{minimumLumpSum}} or a monthly amount of £{{minimumDirectDebitPerMonth}} by direct debit or £50 via payroll.

For more details, see Part 3 "Key features of investment funds" of the Cofunds key information document.

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