General Investment Account
Calculate returns when you've used your £20,000 ISA allowance
Beyond ISA limits: Continue investing with no contribution limits, though subject to capital gains tax on profits above £3,000.
A General Investment Account (GIA) is a flexible investment account with no annual contribution limits. It's ideal for investors who have already used their £20,000 ISA allowance and want to continue investing.
Key Features:
- No annual contribution limits
- Full flexibility to withdraw anytime
- Wide range of investment options
- Capital gains tax applies on profits above £3,000 annual allowance
- Dividend tax applies above £500 annual allowance
Tax Tip: Always maximize your ISA allowance first (£20,000/year) before using a GIA, as ISAs are completely tax-free.
Simple Investment Account
For when you've used your £20k ISA allowance
Use this calculator if you've already maxed out your £20,000 ISA allowance and want to invest more. Growth is subject to capital gains tax.
Simple Investment Account is a taxable account for investing beyond your ISA limit. You'll pay capital gains tax on profits above £3,000/year.
No contribution limits
Global stock market average: 7-10%
Enter your details and click Calculate
See your investment growth after tax
Tax-Efficient Strategy:
- Max out ISA allowance first (£20,000/year tax-free)
- Then use pension contributions (tax relief + growth)
- Finally, use taxable investment accounts for excess
- Consider using spouse's ISA allowance too
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