General Investment Account (GIA)

This website is for information purposes only. i-stock does not provide financial advice and an account can only be opened via the i-stock app.

Start building your investment portfolio with an i-stock GIA

An i-stock General Investment Account (GIA) is a great way to save, build and protect your investments.

Open an i-stock GIA today

Take advantage of our 0% account fee on your existing investments:

No annual limit on how much you can invest
Typically used if ISA allowance is already maximised
Instruct to deposit and withdraw your money 24/7
One-off payments from as little as £500
Monthly deposits from as little as £50 a month
No account fee
Minimise paperwork and protect your investments in one place
Open an account in minutes

Benefits of your GIA

No Limits

There is no limit to how much you can invest into an account.

Anytime

You can open a GIA account at any time, alongside other accounts such as an Individual Savings Account (ISA).

Flexible

A GIA offers great flexibility when it comes to your investment; one off, weekly or monthly payments and the ability to invest and instruct withdrawals at any time. You can invest as little as a £500 lump sum, £12.50 a week or £50 a month.

No hidden Fees

There is no account fee for setting up or running your i-stock GIA.

Invest & withdraw 24/7

You can instruct to withdraw your investments without penalty, whenever you want. Settlement times will be confirmed upon placing your order. Any amount withdrawn may be higher or lower than your original investment.

Your GIA will be created by i-stock when you deposit money into your account. We will do all the work on your behalf.

Transfer your GIA to i-stock!

You can transfer any existing GIA to i-stock. If you decide this is appropriate, upon your instruction, i-stock will arrange this for you and administer the transfer on your behalf. Transferring an existing GIA to i-stock will allow you to access the benefits of our Protection Portfolio for your wider savings pot.

Invest today with as little as £50 a month

Monitor Your Investment with the i-stock app

The performance of your investment is tracked within the i-stock app, you will also be sent a performance report summary every 3 months.

Charges

With i-stock, there are no account fees whatsoever.

There will be underlying investment charges which are reflected in your portfolio value. This means that on your valuation screen, what you see is what you get.

Investments may fall as well as rise and past performance is not an indicator of future performance. You may get back less than your initial investment.

General Investment Accounts (GIAs)

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What should I do if I think I need financial advice?

i-stock does not provide financial advice and if you have any questions about the suitability of the service you should speak with a financial adviser.

If you would like to speak with an adviser, you can contact our Helpdesk who will forward your enquiry to a regulated adviser. This action will take you away from i-stock and you will be contacted within two working days by an adviser. Please note; a firm will charge for this service and their advice.

What is an investment?

An investment means putting money into an asset, with the aim of its value increasing over time.

Why invest?

Investing provides the opportunity for your money to grow over time and enable you to create greater wealth.

What are the risks?

Investments may fall as well as rise and past performance is not an indicator of future performance. You may get back less than your initial investment.

What does GIA stand for?

GIA stands for General Investment Account.

What is a GIA?

A GIA is a General Investment Account. This is an account with no limits on how much you can invest, but consequently any gains may be subject to Capital Gains Tax, depending on your personal circumstances.  

How does a GIA work?

Your GIA can hold your investments. It is an investment account, much like an ISA, but without the tax benefits and annual limits on what you can invest. For more information please refer to our GIA page.

What are the benefits of a GIA?

If you have used your annual ISA allowance and still wish to invest, a GIA provides another account you can use. There is no limit on how much you can invest in a GIA each year.

How do I set up a GIA?

Your GIA will be created by i-stock when you choose a GIA to deposit money into i-stock your account. We will do all of the work on your behalf.

How much can I invest each year?

There is no limit.

Are there any penalties when accessing my money?

i-stock will never charge you any fees or issue any penalties for withdrawing your money. Depending on your chosen investment fund, there may be additional charges such as entry charges or exit charges. For more information about charges please refer to the "Charges" section of the Key Investor Information Document (KIID) for your chosen investment fund, or the "Charges and Expenses" section of the Supplement for your chosen investment fund. The KIID and Supplement for each of the available investment funds on i-stock can be found on our website, under the "Investment Fund Options" section.

Can I monitor my investment?

You can monitor your investment within the i-stock app. The performance of your investment is tracked within your valuation homepage, and you will also be sent a performance report summary every 3 months.

Can I top up every month?

Yes, you can do this on a month by month basis or set up an automatic monthly direct debit. This offers a convenient way to increase your overall monthly savings.

Can I withdraw at any time?

Yes, you are able to instruct withdrawals from your investment at any time. It may take a few days for your withdrawal to settle, but the cash out process can begin whenever you choose.

Where does my money go when I make a deposit?

If you make a deposit with i-stock, your money will be held in a Barclays client account under the name of Gaudi Regulated Services Limited (Gaudi is the product provider for the i-stock GIA. Gaudi are authorised and regulated by the Financial Conduct Authority with FCA number 488015). Gaudi have responsibility for the administration of the client account and have appointed Quai Administration Services Limited to manage the day to day running of the client money account (Quai are the outsourced administrator for the Barclays client account).

The money will be used to purchase units in the investment fund of your choosing. These units are held and administered by a company called Winterflood Securities Limited (Winterflood are the custodian who hold the units on your behalf. Winterflood are authorised and regulated by the Financial Conduct Authority with FCA number 141455). Once you have chosen your investment fund, units in that fund will be purchased by Winterflood, and the money will be held by the depositary for your chosen investment fund. When you make a withdrawal from i-stock, Winterflood will sell the units back to the fund in exchange for their current value. The proceeds will then be sent back to the Barclays client account before being returned to your designated bank account.

i-stock

This website is for information purposes only. i-stock does not provide financial advice and an account can only be opened via the i-stock app which is available below.

i-stock Apple app download
i-stock PWA app download
i-stock Android app download

 

Opening an Account

When creating an i-stock account via the app, you will be asked to acknowledge that you have read, and accept, our Terms & Conditions, Privacy Policy, and the Key Features document for your chosen product (ISA or GIA). You will also be asked to confirm you have not received financial advice from i-stock.

Making a Deposit

When making a deposit, you will be asked to acknowledge that you have read the Key Investor Information Document (KIID) and been presented with the Brochure, Prospectus and Supplement for your chosen investment fund. All of these documents, for each of the available options, can be found on our Investment Fund Options page. You will also be asked to confirm you wish to proceed with your deposit and that you have not received financial advice from i-stock.

 

 

 

If you require any further information, you should find most answers in our FAQs, otherwise please feel free to contact the i-stock helpdesk. Alternatively, you can send us a message below.

By completing the form below you voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the appropriate data protection requirements

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i-stock is a trading style of Tavistock Wealth Limited which is authorised and regulated by the Financial Conduct Authority, FCA No: 568089. Registered in England and Wales. Registered O­ffice: 1 Bracknell Beeches, Old Bracknell Lane, Bracknell RG12 7BW, Company Number 07805960. Tavistock Wealth Limited is a wholly owned subsidiary of Tavistock Investments Plc. The product provider for the i-stock ISA and GIA is Gaudi Regulated Services Limited which is authorised and regulated by the Financial Conduct Authority, FCA No: 488015. Registered in England and Wales. Registered office 2 Oakridge Office Park, Whaddon, Salisbury, SP5 3HT, Company Number 06638918.

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