Are General Investment Accounts Worth It in the UK?

A GIA is worth it only once your ISA is full and your worthwhile pension contributions are made

Below about £30,000 invested, the dividend and CGT allowances usually swallow the tax bill anyway

Bed-and-ISA every April is the cheapest way to drain a GIA back into the tax shelter over time

For most UK retail investors, a GIA is a temporary holding pen, not a destination