General Investment Account (Private Investor Plan)

Harness stock market potential with a flexible investment plan

Our General Investment Account is one of our most flexible solutions for long-term investors.

If you are looking to pay off your mortgage, invest for retirement or just build a portfolio, a General Investment Account (GIA) can help you harness the potential of the stock market to reach your investing goals.

What our General Investment Account offers you:

  • No maximum limits
  • Growth and income solutions
  • A range of 10 investment trusts
  • Invest with as little as £50 per month

Let’s talk about risk

The value of your investments and any income from them can go down as well as up and you may not get back the original amount invested.

What’s a General Investment Account?

A General Investment Account with BMO allows you to hold investment trusts, which aim to achieve capital growth, income or a combination of both with no investment limits. It’s a great option if you’ve already maxed out an ISA.

Watch our short video for more information on how the General Investment Account could benefit you.

Why choose a General Investment Account?

Benefit from our expertise

Our experienced fund managers make informed investment decisions for you. We invest in a range of equities, bonds, property and private equity.

Investment trust options

Whether you’re looking for growth or income, you can create an investment portfolio that meets your needs.

No investment limit

Our General Investment Account has no annual limit, so you can invest as much as you like. Handy if you’ve already maxed out your ISA allowance.

How to invest

Opening a new BMO account or topping up your existing account is easy. Get all the information you need about how to invest.

Get started now

Opening an investment plan online is simple and only takes a few minutes.

Our investment trusts

Our 10 investment trusts provide a range of investment opportunities, including access to equities, bonds, property and private equity.

Each trust has different goals and strategies. You can select a trust that aims for capital growth, income, or both. Some have a specific regional focus, while others take a global approach. 

Please see the Key Information Documents (KIDs) for further details on the risks for each trust.

Frequently asked questions

What are the fees?
  • Annual charge – £40 + VAT
  • Dealing charges per holding for postal instruction – £12 and £8 for online instructions. These charges do not apply to the reinvestment of dividends and/or monthly instalments.
  • Government stamp duty of 0.5% also applies on purchases of UK shares only.

Please make sure you read the pre-sales costs disclosure before you invest. You will need to sign a declaration on our forms that confirms you have read it.

Meeting investment goals – the level of flexibility this plan offers can help you meet a range of investment needs. It might be that you are looking to build a rainy day fund or grow a lump sum for your retirement.

Access all 10 of our investment trusts – our investment trusts invest in a range of asset types in the UK and globally. These include equities, bonds, property and private equity. These investment trusts all benefit from the skills and expertise of our team of fund managers.

Growth and Income solutions – our range of investment trusts aim to deliver capital growth, income or a combination of both.

No maximum limits – there is no annual limit so you can invest as much as you like into a GIA. You can also make regular investment contributions from as little as £50 a month.

Flexible investment options – you can invest in lump sum payments or monthly via a direct debit from as little as £50 a month. You can also top up your investment at any time.

Tailor to your circumstances – the longer you invest for, the more likely that your personal circumstances will change. You may become risk averse for example. And it might be with time that you decide you want a portfolio more focused on income than growth, or the other way around, than the one you originally established. Whatever your needs you can switch investment trusts quickly and easily to suit your current circumstances.

Investing in the General Investment Account is quick and straightforward. You can apply online if in sole name, meaning there are no joint holders, in minutes or simply complete an application form.

Choose your investment trusts
Decide which of our investment trusts you’d like to invest into.

Decide on how much you want to invest
You can invest monthly, in lump sums or a combination of both.

Choose whether you want to keep or gift ownership.

Make sure you’re happy to go ahead
Read the Key Features and Terms & Conditions for our products. Make sure that you understand them including any charges that apply to the products and are happy to go ahead.

Got questions?

“I was completely happy with the entire process your colleague was very clear. I had no unanswered questions so thank you very much.”

John, London

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Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.

Confused? Our handy glossary can help explain investing terms.