• Our trading account

    Our trading account is a way of investing for the future with access to our full range of funds. Unlike an ISA, there’s no maximum limit to how much you can invest.

    account charge until
    31 July 16. Conditions apply

    New investor offer

    Open a trading account (also known as a General Investment Account) with £2,000 or more, or at least £100 per month before 10 December 2015 to qualify for our 0% account charge offer until 31 July 2016. Fund manager charges will still apply.

    You will pay our standard account charge on all your investments if your initial payment into our trading account is below the amount indicated above.

    Get started

    Why consider our trading account?

    If you’ve maxed out your annual ISA allowance but have more money you want to invest in funds, our trading account (also known as a General Investment Account) could be for you.

    • No maximum limit to how much you can invest
    • You can Invest from as little as £50 per month or with an initial lump sum of £500 or more (standard account charges will apply)
    • Take control of your investments through our online service
    • Build your portfolio of funds with the help of our step-by-step process
    • All your investments in one place

    How does it compare to a stocks and shares ISA?

    With our stocks and shares ISA you can invest up to £15,240 a year. With our trading account there’s no maximum limit. So, if you’ve used your annual ISA allowance but still have money you want to invest in funds, our trading account could be for you.

    It doesn’t offer the tax efficiency of an ISA – income tax will apply to any income you may get from your investments and when you sell your fund you may need to pay Capital Gains tax on any profits made if over your annual Capital Gains Tax allowance.

    You could also use money in your trading account to top up your stocks and shares ISA if you have allowance still to use for the current tax year, to make the most of your tax efficient allowance.

    All investments carry a degree of risk so the value of your trading account can go down as well as up and you could get back less than you invest.

    How to open your trading account

    There are two ways to open your trading account:

    1. If you know which funds you'd like to invest in, you can choose them now
    2. If you're unsure which funds to invest in, you can open your account with cash

    Why keep cash in your trading account

    • It gives you a little more time to choose your funds when you open your trading account
    • You have the option to move money out of your investments for a short time without withdrawing it, for example, while deciding which funds to reinvest in
    • You'll earn a variable rate of interest on any cash held in your trading account, please see our interest rates page for the current rate. Any cash held will be subject to our standard account charge.

    Have investments you’d like to transfer to our trading account? Find out how to transfer to us .

    Open a trading account

  • A fund range to help get you started

    We have over 1,250 funds, so to help you get started we've got 3 ways to narrow down your options. Whether you're new to investing or a more experienced investor we could have a starting point for you.

    "I want to choose from all the funds you offer."

    "Show me some ready-made funds managed to different levels of risk."

    "Show me your investment experts'* top 100 funds."

    "Show me some example portfolios so I can build my own selection."

    Our fund range

    Our fund range is a comprehensive choice of over 1,250 funds from across the market covering all the major asset types such as shares, bonds and property from well-known fund groups.

    I want to search for a particular fund

    Read more about our funds See all of our funds

    Ready-made funds

    We have a selection of ready-made funds with different management styles designed to match a range of risk profiles, so you can choose the one that best meets your attitude to risk and investment goals.

    They're carefully managed by our investment experts*, to ensure the risk level of each fund doesn't change over time.

    Read more about All-in-One funds See our All-in-One funds

    Our experts'* top 100

    There are thousands of funds to choose from, that's why our investment experts* have come up with their top 100 funds to help you get started. These funds have been chosen following an in-depth selection process and, in our experts' opinion, should be considered as part of an investment portfolio.

    Read more about Favourite funds See our Favourite funds

    3 example portfolios

    Our investment experts* have created 3 example portfolios, each made up from their top 100 funds. The top 100 funds have been chosen following an in-depth selection process and, in our experts' opinion, should be considered as part of an investment portfolio. You can use these examples as a starting point to mix and match with other funds to build a portfolio that's right for you.

    Read more about Quick Start portfolios See our Quick Start portfolios
  • *Our investment experts, Architas are part of the AXA Group. They are made up of two companies:
    1. Architas Multi-Manager Limited, which is authorised and regulated by the Financial Conduct Authority. They are responsible for creating and managing the All-in-One funds.
    2. Architas Advisory Services Limited, which is not authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority. They select the Quick Start and Favourite funds.