{"id":27949,"date":"2023-10-25T11:58:36","date_gmt":"2023-10-25T11:58:36","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?page_id=27949"},"modified":"2026-06-03T20:56:54","modified_gmt":"2026-06-03T20:56:54","slug":"general-investment-account","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account","title":{"rendered":"General Investment Account"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm rbc-hero-has-image-bleed rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-24gzlgl3l hide-mobile-energy-lines is-style-cta-text\"><style>\n\t\t.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before {\n\t\t\tbackground: linear-gradient(180deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-24gzlgl3l .rbc-hero-energy-lines.rbc-hero-energy-lines-left {\n\t\t\ttransform: scaleX(-1);\n\t\t}\n\n\t\t@media (max-width: 991px) {\n\t\t\t.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient::before,\n\t\t\t.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom::before,\n\t\t\t.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\t\tbackground: none;\n\t\t\t}\n\n\t\t\t.rbc-hero-24gzlgl3l.rbc-hero-has-image-full.hide-mobile-energy-lines .rbc-hero-energy-lines {\n\t\t\t\tdisplay: none;\n\t\t\t}\n\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient .rbc-hero-img-wrap::after {\n\t\t\t\tbackground: linear-gradient( 0deg, #023169 0%, rgba(94, 120, 131, 0) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .rbc-hero-img-wrap::before,\n            .wp-block-rbcwm-hero-block.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient.rbc-hero-has-image-bottom .container .rbc-hero-img-wrap::before {\n\t\t\t\tbackground: linear-gradient( 180deg, #023169 0%, rgba( 94, 120, 131, 0 ) 25% );\n\t\t\t}\n\t\t\t\n\t\t\t.wp-block-rbcwm-hero-block.rbc-hero-24gzlgl3l.is-style-rbc-hero-gradient .rbc-hero-card {\n\t\t\t\tbackground: #023169;\n\t\t\t}\n\t\t}\n\t<\/style><div class=\"container\"><div class=\"row no-gutters\"><div class=\"col-lg-7 rbc-hero-card-content\"><div class=\"rbc-card rbc-hero-card rbc-hero has-content\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body\"><div class=\"rbc-hero-body-content\"><h1 class=\"rbc-hero-title\"><span>General Investment Account<\/span><\/h1><span class=\"rbc-hero-category\"><span><br>Self-directed investing<\/span><\/span><div class=\"rbc-hero-breadcrumb link-chev-left\"><div class=\"rbc-icon mr-half\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\" style=\"color:#006ac3\"><\/i><\/div><span style=\"color:#006ac3\"><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\" data-type=\"page\">BPS<\/a><\/span><\/div><hr class=\"rbc-hero-hr hr-mini bdr-accent\"\/>\n<p class=\"is-style-hero-subtitle\">Our General Investment Account (GIA) lets you invest as much as you want into a diverse range of funds, for greater stability and reduced risk.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"rbc-hero-img-wrap col-lg-5 order-2 order-lg-1\"><div class=\"rbc-hero-img bleed-img-right  rbc-image-with-focalpoint-desktop rbc-image-with-focalpoint-mobile\" style=\"background-image:url(https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/05\/woman-sitting-in-window-sill-viewing-a-blue-tablet.jpg?w=1600);--bg-position-x-desktop:24%;--bg-position-y-desktop:11%;--bg-position-x-mobile:37%;--bg-position-y-mobile:13%\"><\/div><\/div><div class=\"align-self-end order-lg-3 col-lg-7 cta-text\"><div class=\"rbc-button-block row no-gutters align-items-end rbc-hero-button-overlap overlap-top\"><div class=\"col-lg\"><a href=\"https:\/\/onboarding.bps.brewin.co.uk\/select-product\" class=\"rbc-button  rbc-button-large rbc-button-secondary rbc-button-block rbc-button-block-cta\" target=\"_blank\" rel=\"noopener\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fa-angle-right fal\"><\/i><\/div>Open a General Investment Account (GIA)<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-invest-for-your-future\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\">Invest for your future<\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-f3ddc90bdc2841d4eafe8dab91f335aa\">A GIA is a flexible investment account that allows you to withdraw money whenever you want (but profits are taxed).<\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-key-features-of-a-gia\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>Key features of a GIA<\/strong><\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\"><div class=\"row blockId-5f764164-9784-45e3-a08e-cb59bcee0e62\">\n<div class=\"wp-block-rbcwm-column col-lg-6\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><div class=\"wrap\">\n<h4 id=\"h-invest-as-much-as-you-like\" class=\"wp-block-heading\"><strong>Invest as much as you like<\/strong><\/h4>\n\n\n\n<p>Open an account with a minimum \u00a3500 initial investment and add to it with a monthly Direct Debit from \u00a325. This gives you the freedom to grow your savings at your own pace.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\"><div class=\"wrap\">\n<h4 id=\"h-flexible\" class=\"wp-block-heading\">Flexible<\/h4>\n\n\n\n<p>Withdrawals can be made at any time, with profits taxed, giving you control without restricting your financial flexibility.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-columns container\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><div class=\"row blockId-b8289365-1ab9-4bf3-9bdf-616f6d29a1fd\">\n<div class=\"wp-block-rbcwm-column col-lg-6\"><div class=\"wrap\">\n<h4 id=\"h-easily-accessible\" class=\"wp-block-heading\"><strong>Easily accessible<\/strong><\/h4>\n\n\n\n<p>Get 24\/7 access to your portfolios with our easy-to-use online portal and BPS app.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/header>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-is-a-gia-right-for-me\" class=\"wp-block-heading rbc-block-header-title col-lg-12\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><strong>Is a GIA right for me?<\/strong><\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p class=\"has-theme-color has-text-color has-link-color wp-elements-d95fa8297afdae1f697fa57404963757\">A GIA could be the right choice for you if:<\/p>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re over the age of 18.<\/li>\n\n\n\n<li>You&#8217;re a UK resident for tax purposes.<\/li>\n\n\n\n<li>You&#8217;re comfortable investing for the long term (five years or more) and know that investments can fluctuate over different time periods.<\/li>\n<\/ul>\n<\/div><\/header>\n<\/div><\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-top rbc-block-small\"><div class=\"\"><div class=\"row \"><div class=\"col-lg-12\">\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-grey rbc-block-flush rbc-block-image-bleed rbc-block-image-mobile-top has-block-grey-background-color has-background\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-why-choose-us\" class=\"wp-block-heading\"><strong>Why choose us?<\/strong><\/h2>\n\n\n\n<p>We have over a century of experience in helping people grow their wealth, taking a long-term view of investment and client relationships.<\/p>\n\n\n\n<p>BPS is an execution only, non-advice service. We provide pre-determined portfolios which are designed by our in-house experts. We take on the hard work of picking what assets are in these portfolios, so you don\u2019t have to. You just need to choose your investment style (active or passive) and risk category \u2013 we will do the rest.<\/p>\n\n\n\n<h4 id=\"h-expert-management-simple-fees\" class=\"wp-block-heading\"><strong>Expert management, simple fees<\/strong><\/h4>\n\n\n\n<p>You get access to our expert investment thinking through a range of pre-determined portfolios. Our <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/fees-and-charges\">simple fee structure<\/a> ensures you know exactly what you\u2019re paying, while you can track performance any time via our app or online.<a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<p><\/p>\n<\/div><\/div>\n\n\n<\/div><\/div><\/section>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-image-block rbc-block rbc-block-image rbc-block-image-bleed rbc-block-image-mobile-top has-white-background-color has-background\"><div class=\"container rbc-block-image-container\"><div class=\"row justify-content-between h-100 no-gutters\">\n<div class=\"wp-block-rbcwm-block-image-content rbc-block-image-content rbc-block-image-content-center col-lg-6 order-2 order-lg-1\"><div class=\"rbc-block-image-bleed-body wrap\">\n<h2 id=\"h-a-human-touch\" class=\"wp-block-heading\">A human touch<\/h2>\n\n\n\n<p>We know how important the human touch is. Our UK-based experts are on hand to answer your questions. You can call us or email us whenever you need support.<\/p>\n\n\n\n<p><strong>Call us <\/strong>on <a href=\"tel:0333 207 9003\" data-type=\"tel\" data-id=\"tel:0333 207 9003\" class=\"link-underline\">0333 207 9003<\/a><br>Monday to Friday 8am to 6pm<br>Saturday 8am to 12pm<\/p>\n\n\n\n<p><strong>Email us<\/strong> at <a href=\"mailto:customer.services@brewin.co.uk\" class=\"link-underline\">customer.services@brewin.co.uk<\/a><\/p>\n\n\n\n<p><strong>Write to us<\/strong> at:<br>Brewin Portfolio Service<br>Sixth Floor, Atria One<br>144 Morrison Street<br>Edinburgh, EH3 8BR<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-blockimage-image col-lg-5 order-0 rbc-block-image-bleed-col order-lg-0 flex-lg-row-reverse\"><div class=\"rbc-block-image-bleed-img-wrap  d-flex flex-lg-row-reverse\"><div class=\"rbc-block-image-img rbc-block-image-bleed-img bleed-img-left\" data-src=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/05\/smiling-woman-with-red-hair-wearing-a-headset-in-an-office-setting.jpg\" data-lazy=\"true\" data-observe=\"{&quot;add&quot;:&quot;ani-opacity&quot;,&quot;remove&quot;:&quot;ani-opacity-from&quot;}\"><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush overlap-top overlap-bottom\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"wp-block-rbcwm-rbc-button alignfull rbc-button-block row no-gutters align-items-end justify-content-end blockId-74416774-f2c6-456f-848a-3ed4129d892d\"><div class=\"col-lg-7 order-1\"><a href=\"https:\/\/onboarding.bps.brewin.co.uk\/select-product\" target=\"_blank\" class=\"rbc-button rbc-button-block-cta rbc-button-large rbc-button-secondary rbc-button-block\" rel=\"noopener noreferrer\"><div class=\"rbc-icon rbc-button-icon-right\"><i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-fal fa-angle-right \"><\/i><\/div><span>Open a GIA<\/span><\/a><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-common-questions-about-gias\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><strong>Common questions about GIAs<\/strong><\/h2>\n\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-block-header-description rbc-block-header-description\">\n<p><\/p>\n<\/div>\n<\/div><\/header>\n\n\n\n<div class=\"row blockId-ab8e603f-3765-4749-a433-df7737bfa06b\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<div class=\"wp-block-rbcwm-expandable-container-block rbc-expandable-container\"><div class=\"rbc-card rbc-card-shadow\"><div class=\"rbc-card-wrap\"><div class=\"rbc-card-body rbc-card-flush rbc-card-box\">\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"is-the-investment-guaranteed\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"is-the-investment-guaranteed-content\" data-target=\"is-the-investment-guaranteed-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-is-the-investment-guaranteed\" class=\"wp-block-heading h5\">Is the investment guaranteed?<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"is-the-investment-guaranteed-content\" aria-labelledby=\"is-the-investment-guaranteed\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-aaf50fac-a428-4929-a532-8ad2834fffbf\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">No. The investments into a GIA aren&#8217;t guaranteed. The value of the investments in your portfolio can fall as well as rise, and you may get back less than you invested.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbcwm-expandable-block rbc-expandable\">\n<div id=\"will-i-be-able-to-buy-and-sell-investments-myself\" class=\"wp-block-rbcwm-expandable-block-title rbc-expandable-trigger rbc-expandable-arrow-wrap\"><button aria-expanded=\"false\" aria-controls=\"will-i-be-able-to-buy-and-sell-investments-myself-content\" data-target=\"will-i-be-able-to-buy-and-sell-investments-myself-content\" data-duration=\"400\" class=\"rbc-expandable-trigger-button rbc-expandable-trigger-button-between\">\n<h3 id=\"h-will-i-be-able-to-buy-and-sell-investments-myself\" class=\"wp-block-heading h5\">Will I be able to buy and sell investments myself?<\/h3>\n<div class=\"rbc-icon rbc-expandable-arrow rbc-expandable-arrow-right\"><i class=\"rbc-icon-img fal fa-angle-down\"><\/i><\/div><\/button><\/div>\n\n\n\n<div id=\"will-i-be-able-to-buy-and-sell-investments-myself-content\" aria-labelledby=\"will-i-be-able-to-buy-and-sell-investments-myself\" class=\"wp-block-rbcwm-expandable-block-content rbc-expandable-content rbc-expandable-content-inner-style content-3ff473be-eef0-4bd3-be18-1a667cc11f3d\"><div class=\"rbc-expandable-content-body\">\n<p class=\"mt-1\">No. BPS uses pre-determined portfolios. We take on all the hard work of buying and selling individual assets. All you need to decide is what level of risk and investment style (active or passive) you want. Our friendly, UK-based BPS Customer Service team is here to help answer any questions you have about the service or portfolios we offer.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey overlap-bottom rbc-block-has-overlap has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-our-insights-and-ideas-nbsp\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><strong>Our insights and\n\t\t\t\t\t\t\t\t\t\tideas<\/strong>&nbsp;<\/h2>\n\n<\/div>\n<\/div><\/header>\n\n\n\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-lg-12\">\n\t\t\t\t<div class=\"row overlap-bottom\">\n\t\t\t\t\t\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2025\/04\/older-woman-looking-at-laptop-screen.jpg');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>How to navigate the annual allowance taper<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tTax strategies\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-to-navigate-the-annual-allowance-taper\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t4 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; How to navigate the annual allowance taper<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/10\/BDM5051_How-to-avoid-an-inheritance-tax-shock_2177x729.jpg?w=1024');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>How to avoid an inheritance tax shock<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tInheritance\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-to-avoid-an-inheritance-tax-shock\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; How to avoid an inheritance tax shock<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<div class=\"rbc-media-card-col rbc-card-col-my col-lg-4 col-md-6\">\n\t<div class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t<div class=\"rbc-card-body rbc-hero-img-background-position\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-media-card-image\" style=\"background-image: url('https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2023\/04\/Tax-efficient-investing-brochure-thumbnail.png');\"><\/div>\n\t\t\t\t\t\t\t<h3 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>A guide to tax-efficient investing<\/span><\/span><\/h3>\t\t\t\t<span class=\"category rbc-media-card-category\">\n\t\t\t\t\tInvesting\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/a-guide-to-tax-efficient-investing\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t3 minute read\t\t\t\t\t\t\t<div class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<span class=\"sr-only\">&#8211; A guide to tax-efficient investing<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-flush-bottom rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<header class=\"wp-block-rbcwm-block-header row rbc-block-header\"><div class=\"col-lg-12\">\n<div class=\"row\">\n\n<h2 id=\"h-\" class=\"wp-block-heading rbc-block-header-title col-lg-12\"><\/h2>\n\n<\/div>\n\n\n\n<p class=\"is-style-default\">The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist.<\/p>\n\n\n\n<p class=\"is-style-default\">Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/p>\n<\/div><\/header>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Used up your ISA allowance? A General Investment Account from BPS offers unlimited investing across a diverse range of funds.<\/p>\n","protected":false},"author":49,"featured_media":0,"parent":25446,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-27949","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>General Investment Account - RBC Wealth Management UK<\/title>\n<meta name=\"description\" content=\"Used up your ISA allowance? A General Investment Account from BPS offers unlimited investing across a diverse range of funds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"General Investment Account - RBC Wealth Management United Kingdom\" \/>\n<meta property=\"og:description\" content=\"Used up your ISA allowance? A General Investment Account from BPS offers unlimited investing across a diverse range of funds.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account\" \/>\n<meta property=\"og:site_name\" content=\"RBC Wealth Management United Kingdom\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-03T20:56:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/05\/share-logo-rbc-wm.png?w=2000\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"General Investment Account &#8211; RBC Wealth Management United Kingdom\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/online-investing-with-bps\\\/general-investment-account\",\"url\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/online-investing-with-bps\\\/general-investment-account\",\"name\":\"General Investment Account - RBC Wealth Management UK\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/#website\"},\"datePublished\":\"2023-10-25T11:58:36+00:00\",\"dateModified\":\"2026-06-03T20:56:54+00:00\",\"description\":\"Used up your ISA allowance? A General Investment Account from BPS offers unlimited investing across a diverse range of funds.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/online-investing-with-bps\\\/general-investment-account#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/online-investing-with-bps\\\/general-investment-account\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/online-investing-with-bps\\\/general-investment-account#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Brewin Portfolio Service\",\"item\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/online-investing-with-bps\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"General Investment Account\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/#website\",\"url\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/\",\"name\":\"RBC Wealth Management United Kingdom\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/#organization\",\"name\":\"RBC Wealth Management United Kingdom\",\"url\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/wp-content\\\/uploads\\\/sites\\\/23\\\/2026\\\/05\\\/rbc.png\",\"contentUrl\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/wp-content\\\/uploads\\\/sites\\\/23\\\/2026\\\/05\\\/rbc.png\",\"width\":3000,\"height\":2000,\"caption\":\"RBC Wealth Management United Kingdom\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rbcwealthmanagement.com\\\/en-uk\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"General Investment Account - RBC Wealth Management UK","description":"Used up your ISA allowance? A General Investment Account from BPS offers unlimited investing across a diverse range of funds.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account","og_locale":"en_GB","og_type":"article","og_title":"General Investment Account - RBC Wealth Management United Kingdom","og_description":"Used up your ISA allowance? A General Investment Account from BPS offers unlimited investing across a diverse range of funds.","og_url":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account","og_site_name":"RBC Wealth Management United Kingdom","article_modified_time":"2026-06-03T20:56:54+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/05\/share-logo-rbc-wm.png?w=2000","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_title":"General Investment Account &#8211; RBC Wealth Management United Kingdom","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account","url":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account","name":"General Investment Account - RBC Wealth Management UK","isPartOf":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/#website"},"datePublished":"2023-10-25T11:58:36+00:00","dateModified":"2026-06-03T20:56:54+00:00","description":"Used up your ISA allowance? A General Investment Account from BPS offers unlimited investing across a diverse range of funds.","breadcrumb":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps\/general-investment-account#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/"},{"@type":"ListItem","position":2,"name":"Brewin Portfolio Service","item":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/online-investing-with-bps"},{"@type":"ListItem","position":3,"name":"General Investment Account"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/#website","url":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/","name":"RBC Wealth Management United Kingdom","description":"","publisher":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/#organization","name":"RBC Wealth Management United Kingdom","url":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/05\/rbc.png","contentUrl":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-content\/uploads\/sites\/23\/2026\/05\/rbc.png","width":3000,"height":2000,"caption":"RBC Wealth Management United Kingdom"},"image":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/#\/schema\/logo\/image\/"}}]}},"publishpress_future_action":{"enabled":false,"date":"2026-07-13 22:23:03","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"rbcwm_content_owner","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"RBC Wealth Management United Kingdom","distributor_original_site_url":"https:\/\/www.rbcwealthmanagement.com\/en-uk","push-errors":false,"last_revision_date":"2026-06-03 20:55:49","_links":{"self":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/pages\/27949","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/comments?post=27949"}],"version-history":[{"count":105,"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/pages\/27949\/revisions"}],"predecessor-version":[{"id":56139,"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/pages\/27949\/revisions\/56139"}],"up":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/pages\/25446"}],"wp:attachment":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/media?parent=27949"}],"wp:term":[{"taxonomy":"rbcwm_content_owner","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/wp-json\/wp\/v2\/rbcwm_content_owner?post=27949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}