Unleash the power of our general investment account
When investing, your capital is at risk.
What is a General Investment Account?
A GIA, or General Investment Account is a simple way to invest if you have already used your £20,000 ISA allowance for the tax year. There is no limit to how much you can invest in your GIA. And you can use the CIRCA5000 app to access your money at any time, without paying withdrawal fees. Learn more.
Make a positive impact
Invest in funds that only include companies actively making the world a better place. Funds are built around the most innovative themes defining the future of the global economy.
Grow your money long-term
Make your savings work as hard as you do, and invest them long-term. Set up automatic monthly contributions with our GIA.
No deposit limit
There is no limit on how much you can deposit into your GIA each year. Note that investment gains and income may be subject to tax.
We are specialists in impact investing — the gold standard of investing sustainably.
The funds that you will be invested in only include companies that have made it their mission to solve the world's biggest environmental and social challenges.
We want to change the world, but this isn't philanthropy. You will only invest in sectors and companies that we believe will benefit from structural market trends.
People made money ruining the world, let’s make money fixing it.
Simple, transparent fees
| Monthly subscription fee Charged monthly. Covers all open SIPPs, ISAs, GIAs, JISAs. | £1 |
| CIRCA5000 fees Charged monthly | 0.45% |
| Average external fund fees This fee is charged directly by fund managers. We aim to keep it as low as possible. These fees may range from 0.24-0.49% per year, depending on your choice of investments. Charged monthly | 0.42% |
- No admin fees
- No trading fees
- No contribution fees
- No transfer in fees
The returns case for impact investing
Over the past few years, impact indices have outperformed the wider market.
We invest in themes and companies that we believe will benefit from structural market trends, such as the energy transition to renewables.
*The purpose of the chart is to illustrate the case for impact investing, and is not CIRCA5000’s portfolio returns. The chart above shows the annualised returns of the MSCI ACWI Index ("Standard Index") compared with the MSCI ACWI Sustainable Impact Index ("Sustainable Impact Index") for the 5 year period up to 19th January 2023. Returns are in USD and net of dividends. Past performance is no indication or guarantee of future performance. Investing directly in either index shown is not possible via CIRCA5000. When investing in funds, other factors such as fees and currency exposures may affect your return. Source: msci.com
Ready to invest?
Open GIA
Open a CIRCA5000 GIA, and you’ll have no limit on how much you can invest. Our team are on hand to help you every step of the way.
Open GIAOur general investment account is made up of companies tackling the world’s biggest challenges
Popular questions
Don't just take our word for it...
(Based on 2k+ ratings on the App Store & Google Play Store)
If you're not investing in CIRCA5000 you're missing out
Love CIRCA5000! I have been a long-term member and I don't have a negative thing to say. Good returns, good support, brilliant UX and platform, great educational blogs, I really like the founders, and you're investing in impact and the future!
Jack Dunning, 26 Jan 2023
Great intro for investing
Great intro for investing - and great returns. Easy to understand and great customer services and levels of customisation.
Joshua Rayner, 18 Jan 2023
I’ve been investing monthly with…
I’ve been investing monthly with CIRCA5000, formerly tickr since November 2019. I’ve seen my investment go up and down since then, up most recently thankfully! The app is very user friendly and informative. When I’ve needed further info or help, the ‘live chat’ is great. Keep up the good work👍
Lee, 13 Sept 2022
+160,000 users are building their wealth with CIRCA5000
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Important information - Investments can go down in value as well as up, so you can get back less than you invest. The information on this page isn't investment advice. If you're not sure if an investment is right for you, please seek advice. Tax rules can change and depend on individual circumstances.