# Transfer GIA Portfolio to ISA **URL:** \ **Category:** ISAs\ **Created:** [15 October 2023 11:46 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215 "2023-10-15T11:46:11Z")\ **Posts on this page:** 10\ **Page:** 1
**Author:** ![PhilWhitaker](https://avatars.discourse-cdn.com/v4/letter/p/c5a1d2/32.png) [@PhilWhitaker](https://community.investengine.com/u/PhilWhitaker)\ **Post date:** [15 October 2023 11:46 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/1 "2023-10-15T11:46:11Z")
I’ve maxed out my ISA allowance for this tax year, but want to get started investing in my new DIY portfolio. Can I invest in this portfolio as part of my GIA, then move the portfolio to my ISA next tax year? Or do I need to mirror the portfolio inside my ISA and do a transfer between them in April? If it’s the latter, do I need to sell and rebuy, or do the funds just transfer across? Thanks in advance! Phil ---
**Author:** ![tom.winterton](https://dub1.discourse-cdn.com/flex017/user_avatar/community.investengine.com/tom.winterton/32/8_2.png) [@tom.winterton](https://community.investengine.com/u/tom.winterton)\ **Post date:** [16 October 2023 07:58 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/2 "2023-10-16T07:58:38Z")
Hi @PhilWhitaker , You’ll need to mirror the portfolio within your GIA. You’ll also needs to sell and rebuy under either scenari as HMRCs ISA rules state the initial topup of your S&S ISA need to be in cash. So you can’t transfer assets from a GIA to an ISA without selling. Once they’re in an ISA account you can then transfer between providers without selling though. ---
**Author:** ![PhilWhitaker](https://avatars.discourse-cdn.com/v4/letter/p/c5a1d2/32.png) [@PhilWhitaker](https://community.investengine.com/u/PhilWhitaker)\ **Post date:** [16 October 2023 10:57 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/3 "2023-10-16T10:57:54Z")
Thank you, @tom.winterton, that’s very helpful. Can the sale and purchase happen in same window, so I’m not subject to market fluctuations, or do I need to sell in one window and buy in the next, meaning I’m out of the market for about 24 hours? Phil ---
**Author:** ![tom.winterton](https://dub1.discourse-cdn.com/flex017/user_avatar/community.investengine.com/tom.winterton/32/8_2.png) [@tom.winterton](https://community.investengine.com/u/tom.winterton)\ **Post date:** [16 October 2023 11:17 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/4 "2023-10-16T11:17:22Z")
> [@PhilWhitaker](#): > > indow @PhilWhitaker – This process is sometimes call “Bed & ISA”… At the moment on InvestEngine you would have to do the steps separately…Sell the assets, wait 2 days for them to settle, Transfer the cash into your ISA and then re purchase purchase the assets. So you would be out of the market for 2 days. This is something we’re looking at seeing how we could improve…Ideally we do all these steps for you automatically in 1 trading window. I can’t promise anything on at the moment but we’re area actively investigating how we could automate this for the next tax year ---
**Author:** ![PhilWhitaker](https://avatars.discourse-cdn.com/v4/letter/p/c5a1d2/32.png) [@PhilWhitaker](https://community.investengine.com/u/PhilWhitaker)\ **Post date:** [16 October 2023 14:18 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/5 "2023-10-16T14:18:34Z")
I see. I assume that if I had sufficient cash on hand, I could “short-circuit” that process by adding new cash to the ISA and purchasing the funds in the ISA portfolio during the same transaction window as selling the GIA funds, then withdrawing the cash from the GIA once the transaction settled? I’d only be subject to market spread in that case? ---
**Author:** ![Paul\_M](https://avatars.discourse-cdn.com/v4/letter/p/91b2a8/32.png) [@Paul\_M](https://community.investengine.com/u/Paul_M)\ **Post date:** [17 October 2023 11:57 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/6 "2023-10-17T11:57:59Z")
Hi, that is correct, you will be able to add new cash and purchase the funds in the ISA portfolio, selling your GIA funds on the same day. ---
**Author:** ![letsstartbeinganon](https://avatars.discourse-cdn.com/v4/letter/l/8e7dd6/32.png) [@letsstartbeinganon](https://community.investengine.com/u/letsstartbeinganon)\ **Post date:** [19 October 2023 12:49 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/7 "2023-10-19T12:49:22Z")
Are you planning on introducing a single Bed & ISA process in InvestEngine? Other providers such as Fidelity do offer this functionality as an ‘all in one’. ---
**Author:** ![Cothorne](https://avatars.discourse-cdn.com/v4/letter/c/bc8723/32.png) [@Cothorne](https://community.investengine.com/u/Cothorne)\ **Post date:** [27 June 2024 20:33 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/8 "2024-06-27T20:33:45Z")
Hello, I’d like to know if this has changed or not and if this function has been added to Invest Engine? I’m probably going to max out my ISA allowance this year and I’d like to get a GIA going and then transfer it over. Thanks ---
**Author:** ![SwFsnapper](https://dub1.discourse-cdn.com/flex017/user_avatar/community.investengine.com/swfsnapper/32/1183_2.png) [@SwFsnapper](https://community.investengine.com/u/SwFsnapper)\ **Post date:** [20 November 2024 15:05 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/9 "2024-11-20T15:05:51Z")
@tom.winterton is there any progress on the “Bed & ISA” functionality? ---
**Author:** ![swemson666](https://avatars.discourse-cdn.com/v4/letter/s/3bc359/32.png) [@swemson666](https://community.investengine.com/u/swemson666)\ **Post date:** [13 December 2024 16:50 UTC](https://community.investengine.com/t/transfer-gia-portfolio-to-isa/1215/10 "2024-12-13T16:50:23Z")
Sorry, I cant find whether this feature is now active, want to part transfer an existing GIA fund into an ISA, and later this tax year do the same to a SIPP.