Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong.

What are Gilts?

Trading Gilts

Like stocks and shares, gilts have a secondary market.

Through WiseAlpha Fractional Bonds, investors can gain exposure to gilts with as little as £100 using WiseAlpha’s digital market.

Learn about Gilts

The first step towards investing in gilts is to learn how they work and the risks involved. To get started, you can read our one-page introduction: What are gilts?

Open & Fund your Investment Account

Applying for an investment account is a straightforward process, and usually takes just a few minutes to complete.

Once the details you provide have been verified, you’ll need to fund your account by a minimum amount. With WiseAlpha, the minimum is £100, and you can add funds via open banking or bank transfer.

The great news about gilts is that they are eligible to be invested through tax free wrappers. When you open an account you can select either a regular individual account, SIPP or IFISA.

SIPP

A SIPP or self-invested personal pension is a type of personal pension that gives you a far greater level of freedom about how you invest your retirement funds than you can get with any other pension. You are in complete control of how and where your money is invested - you make the decisions that will determine how your pension pot performs. Like all pension schemes, SIPPs qualify for up to 45% tax relief (46% if you’re Scottish) on the money you put into them. The annual limit for tax relief on pension contributions is £60,000.

Select Your Investments

Once you’ve opened and funded your account, it’s time to find your first investment.

We offer a wealth of information about each investment on the bonds detail page so you can make the best investment for you.

Monitor your Investments

How often you monitor your investments is up to you. Gilt investing doesn’t have to require a huge amounts of input. Many of our platform users are ‘buy and hold’ investors who intend to hold their gilts until maturity and reinvest their interest. Other platform users prefer to actively trade, periodically opening and closing positions based on their own convictions.

Sell your Investments

While many investors hold their gilts until maturity, some investors will want to take gains on a bond that has gone up in value or sell away from a bond they no longer believe in.

Investors can put their gilts up for sale at any time and the trade will happen as soon as there is a buyer. Please note that liquidity is not guaranteed.

Learn more about the benefits and risks of Gilts.