For everything else, there’s a General Investment Account
For everything else, there’s a General Investment Account
With no limit to how much you can invest, a General Investment Account can act as an overflow to your ISA.
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General Investment Account?
A General Investment Account (GIA) doesn’t have the tax benefits of an ISA but any gains/losses can be set against your annual Capital Gains Tax allowance¹.
With no limit to how much you can invest, they’re perfect if you’ve used up your ISA allowance.
If you need your money, simply request a withdrawal in the app without worrying about hidden fees.
Use the &me app to control how your money is invested and keep track of your performance.
As your investments grow across your accounts, we reduce our management fees.
&me consultants on your side
Your &me consultant is always on hand to help at no extra cost.
Powered by M&G Wealth
&me is powered by a range of M&G Wealth managed portfolios, meaning you benefit from a lifetime of expertise.
1 Any gains/losses should be combined with other taxable gains/losses outside of the GIA
time With no commitment to invest, see how &me could grow your money and help you feel invested.
With investment, your capital is at risk.
Tax treatment depends on your individual circumstances and may change in the future.
Want to learn more
about investing?
Check out the &me blog to read articles, expert insights and tips on investing for your future.
As your money grows, your fee % shrinks
Start investing with a minimum of £500.
Below are our competitive annual fees for managing your money.
Invested amount
Management fee
Up to £10,000
0.75%
£10,000 to £20,000
0.70%
£20,000 to £50,000
0.65%
£50,000 to £100,000
0.60%
£100,000 to £250,000
0.45%
£250,000 to £500,000
0.40%
£500,000+
0.35%
The &me Classic portfolios are a lower-cost way to invest with &me. Our passive portfolios invest in equities and bonds across different regions such as US equities and UK corporate bonds and also hold some cash. Investment experts from M&G Wealth decide which investments to use and how much to invest in each asset class on your behalf, based on a range of factors including the potential to generate long-term returns for investors.
Below are the rest of the fees for our Classic portfolios. We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf. The cost of buying an asset is usually more than the price you can sell it for. The difference in these two prices is called the market spread. We include this information here to give you a clear idea of the total fees you pay when you invest. There is no market spread fee on the Targeted portfolio range.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.19% | £3.17 |
| Market Spread | Up to 0.04% | £0.67 |
| Total | Up to 0.88% | £14.67 |
The &me Targeted portfolios invest in a blend of active and passive funds. Our actively-managed portfolios invest in equities, bonds and ‘alternatives’ (like investments in infrastructure) and also hold some cash. Being actively managed means the investment experts from M&G Wealth continually review a range of factors like the analysis, performance and global trends so they can make ongoing decisions about where to invest, and find new opportunities with the potential to deliver long-term growth for investors. They’re designed for people who want to know their investments are creating a positive impact to society and the planet while they work to generate competitive returns.
Below are the rest of the fees for our Targeted portfolios.
We invest your money in many different funds. These funds charge fees. We try to keep these fees as low as we can on your behalf.
For example, if you invest £20,000 you’ll pay:
| Annual | Monthly | |
|---|---|---|
| &me Management Fees | 0.65% | £10.83 |
| Investment Fund Fees | 0.42% | £7.00 |
| Total | 1.07% | £17.83 |
Start investing with 
With no commitment to invest, see how &me could grow your money and help you feel invested.
With investment, your capital is at risk and you may get less than what you invested.
Tax treatment depends on your individual circumstances and may change in the future.
