Investment Account
A flexible, unwrapped investment account for holding investments outside pension and ISA structures.
An Investment Account (often referred to as a General Investment Account (GIA)) provides a straightforward way to invest in global markets without the contribution limits, withdrawal rules or eligibility requirements that apply to pensions and ISAs.
Regulatory update
Invinitive Financial UK Ltd has voluntarily agreed to certain temporary restrictions with the Financial Conduct Authority while the Firm undertakes a review of its financial crime systems, processes and controls.
During this period, the Firm is restricted from:
- Onboarding new General Investment Account clients
- Accepting new contributions into any product
Overview
An Investment Account allows you to hold a wide range of investments in your own name, outside of tax-advantaged wrappers such as pensions or ISAs.
Because this account is unwrapped, it does not provide tax sheltering. Any income, dividends or capital gains are taxed in accordance with your personal circumstances and tax residency. You remain responsible for understanding and reporting any tax liabilities that may arise.
This makes the Investment Account particularly suitable where flexibility is a priority and tax-efficient wrappers are either unavailable, fully utilised, or not appropriate.
Investment options
Through the Invinitive platform, Investment Account holders benefit from broad, open-architecture market access, including:
UK equities listed on recognised exchanges
US equities, including NYSE and NASDAQ listings
EU equities across major European markets
Exchange-Traded Funds (ETFs) across multiple regions and asset classes
Mutual funds / OEICs, where available on the platform
All investments available on the platform are standard, exchange-traded assets and are subject to platform eligibility criteria and regulatory requirements. Investors can build and manage diversified portfolios across geographies, currencies and asset types — all within a single account.
Multi-currency investing
The Investment Account supports up to 8 currencies, allowing you to:
Hold cash balances in multiple currencies
Buy and sell investments in their native trading currency
Reduce unnecessary foreign exchange conversions
Manage currency exposure more efficiently
This is particularly useful for internationally mobile clients or those investing in overseas markets such as the US and Europe.
Competitive FX pricing
Invinitive offers highly competitive foreign exchange rates, with transparent pricing and no hidden FX margins. Currency conversion takes place only when required, helping to keep costs clear and predictable.
Common uses
Investment Accounts are commonly used for:
Investing surplus capital once ISA allowances have been fully used
Holding investments alongside pensions, using the same platform and infrastructure
Flexible investing, where access to capital may be required at any time
Investing where ISA eligibility is not available, including certain residency scenarios
There are no contribution limits and no restrictions on withdrawals, making this a highly flexible investment solution.
For UK residents
For UK-resident clients, an Investment Account can complement existing savings and pension arrangements.
It is often used:
Once annual ISA allowances have been fully utilised
For shorter- or medium-term investment objectives
Where access to capital is required without pension restrictions
UK residents should be aware that income and gains within an Investment Account may be subject to UK income tax and capital gains tax, depending on individual circumstances.
For non-UK residents
Investment Accounts may also be available to non-UK residents, subject to jurisdictional restrictions, onboarding requirements and local regulatory considerations.
They are frequently used by:
British expats and internationally mobile individuals
Clients who wish to continue investing through a UK-regulated platform
Individuals managing assets across multiple currencies and regions
Availability and features may vary depending on country of residence.
Learn more about expat investingFees
Our pricing is simple and transparent:
| Fee type | Amount |
|---|---|
| Platform fee | 0.25% p.a. (capped at £400) |
| Trade fee | £7.95 per trade |
There are no hidden charges. Full details are available on our pricing page.
View full pricingWhy choose Invinitive for your Investment Account?
Discover how our transparent pricing, global market access, and modern platform can help you invest with confidence.
Learn moreDocuments & Disclosures
Before you apply, you can review our key product, legal and regulatory documents in one place.
Invinitive operates on an execution-only basis. Please ensure you read the relevant documents before proceeding.
Ready to get started?
Opening an Investment Account is straightforward, with a fully digital onboarding process.
Important information
Invinitive does not provide investment advice. Investments can go down as well as up, and you may get back less than you invest. Tax treatment depends on individual circumstances and may change in the future.