Smart Women Invest
Overview
The first step on your investment journey is to decide how you want to invest. MoneyShe portfolios can be held directly in a General Investment Account (GIA) or via a tax efficient wrapper such as an ISA, JISA, or SIPP. Scroll down to learn more and find the one that best fits your financial goals.
General Investment Account (GIA)
A General Investment Account (GIA) is a simple and flexible way to invest your money. There are no limitations to the amount you can invest or contribute.
Stocks & Shares Individual Savings Account (ISA)
An Individual Savings Account (ISA) is a tax wrapper that allows you to save, either in cash or stocks and shares, without paying any tax on the money in the wrapper. This includes any returns/growth is tax-free. At MoneyShe/MoneyShe, we only offer a Stocks & Shares ISAs, not Cash ISAs.
Self-Invested Personal Pension (SIPP)
A Self-invested Personal Pension (SIPP) is a type of pension introduced for people who want an alternative to workplace pensions. They offer tax-benefits with the UK Government giving a 20% basic tax relief with the additional benefit of Inheritance Tax not applying to SIPPs.
Junior Individual Savings Account (JISA)
A Junior Individual Savings Account (JISA) is a long-term tax-free savings account for children. Each child, from birth to 18 years old, living in the UK, can have their own JISA account. The annual allowance for the 2024/25 tax year is £9,000 per child.