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General Investment Account

Investing on your terms,
with no limits and multiple risk profiles.

Open a GIA

With investing, your capital is at risk.

General Investment Account Image

Start investing from £25

Be confident with actively managed portfolios

Personalise with multiple risk profiles

Your personal financial plan, with impact

With a Clim8 General Investment Account (GIA), you can forget about limits. Choose different risk profiles and spread your investments how you like – all with impact and growth in mind.rn

Why invest in a Clim8 GIA?


  • Built by our in-house investment team
  • Tailored to your risk profile
  • Actively managed
  • Only sustainable themes
  • Transparent about what’s in your portfolio


    How we invest

Tailored to your risk profile

Choose the risk profile most suited to you by selecting from one of three curated options.

Cautious

A lower risk portfolio weighted towards more stable investments

Cautious chart
Equity

28%

Fixed income

62%

Cash

10%

Performance 5.55%

Benchmark 3.65%

Balanced

A portfolio with a balance of risk and reward

Balanced chart
Equity

55%

Fixed income

36.5%

Cash

7%

Alternative

1.5%

Performance 11.74%

Benchmark 9.89%

Adventurous

A portfolio with more dynamism and a higher risk profile for long-term growth

Adventurous chart
Equity

75%

Fixed income

18%

Cash

4%

Alternative

3%

Performance 17.52%

Benchmark 16.30%

With investing, your capital is at risk. This is an indicative portfolio breakdown. Your breakdown may vary slightly based on your investment amount and adjustments to maximise performance. Performance based on last 12 months up to 30 November 2021. Returns are illustrative only. Past performance is not a reliable indicator of future performance. The portfolios were established on 21 August 2020. Respective benchmarks based on comparative portfolio composition data using MSCI World and the Barclays Global Aggregated Bond Indices. For comparative purposes, the average return of the benchmark net of fees over the last 10 years is 6.30%, 8.95% and 11.58% respectively for the Cautious, Balanced and Adventurous portfolios.

Clim8 performance

Track the past investment performance of our 3 ready-made portfolios and feel confident that you are investing both for impact and growth.

Performance period

20/08/2020 – 11/2021

Clim8 portfolio

00.0%

Yearly average

Benchmark

00.0%

Yearly average

The performance is displayed since inception and up to 30 November 2021. Past performance is not a reliable indicator of future performance. For comparative purposes, the average return of the benchmark net of fees over the last 10 years is 6.30%, 8.95% and 11.58% respectively for the Cautious, Balanced and Adventurous portfolios. Performance is stated net of fees, prior to the deduction of tax.

Performance period

20/08/2020 – 11/2021

Clim8 portfolio

00.0%

Yearly average

Benchmark

00.0%

Yearly average

The performance is displayed since inception and up to 30 November 2021. Past performance is not a reliable indicator of future performance. For comparative purposes, the average return of the benchmark net of fees over the last 10 years is 6.30%, 8.95% and 11.58% respectively for the Cautious, Balanced and Adventurous portfolios. Performance is stated net of fees, prior to the deduction of tax.

Performance period

20/08/2020 – 11/2021

Clim8 portfolio

00.0%

Yearly average

Benchmark

00.0%

Yearly average

The performance is displayed since inception and up to 30 November 2021. Past performance is not a reliable indicator of future performance. For comparative purposes, the average return of the benchmark net of fees over the last 10 years is 6.30%, 8.95% and 11.58% respectively for the Cautious, Balanced and Adventurous portfolios. Performance is stated net of fees, prior to the deduction of tax.

Affordable & transparent investing

Platform fee

  • 0.6%rn
    annual management fee, calculated and charged monthly in arrearsrn
    rn
    rnFor example, for a £5,000 investment, the charge would be £2.50 a month.rn

Portfolio costs

  • 0.35-0.5%rn
    rnBlended costs for shares and funds in the portfolio. This can vary over time as we seek to optimise your investments.

Peace of mind

  • Your personal information is bank level encrypted
  • Your assets are protected by the Financial Services Compensation Scheme (FSCS) up to a limit of £85,000

Ready to invest for impact and growth?

Open a GIA

With investing, your capital is at risk