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Global Investment Centre

Access investment funds via your online banking

If you’re confident in making your own investment decisions, our Global Investment Centre places a wide range of funds at your fingertips.

Our Global Investment Centre is an online funds platform designed to help you make your own investment decisions. Whether you’re a first-time investor or a seasoned trader, it provides an easy way to research, buy, sell or switch your investments to help you make your money work harder.

You simply open a general investment account or an ISA, then use our research tools to help you make informed decisions about what to invest into and when. Once you’ve invested, you can see the current value and track performance whenever you log on to online banking.

Of course, the value of investments and any income they generate, can go down as well as up, meaning you may get back less than what you invest.

Our Global Investment Centre doesn’t offer any investment advice. If you’re not sure about investing, please seek financial advice.

Features & benefits

Funds designed to meet your goals

Choose from nearly 400 funds, including index trackers, from 22 leading fund managers
Start investing with a lump sum of just $100
Hold your investments in an ISA at no extra cost

Quick and easy to use

Access via your online banking – no new passwords
See your trading balance every time you log on
You can sell your investments to access your money at any time – however you should aim to invest for at least 5 years

What does it cost?

There’s no set-up fee involved, we just charge an annual account fee of 0.25% payable monthly. It’s calculated using the average daily value of the assets held within your account in the previous month.

Fund managers also apply an annual management charge and other expenses which are deducted directly from the fund. Before buying any fund, you’ll see a breakdown of all the charges in the relevant Cost and Charges Disclosure document.

You can find out more about charges in the Global Investment Centre Key Features document and in our terms and conditions, which we’ll ask you to read before you apply.

What funds are available?

You can choose from nearly 400 open-ended investment companies (OEICs) and unit trust funds, including a wide range of index trackers. We offer funds from 21 other leading fund managers, as well as funds.

After you’ve opened an account, you can use our research tools to find funds to match your financial goals.

For an overview of the full list of funds available:

Key investment terms explained

A fund is a collective investment scheme which pools your money with that of other investors to give you a stake in a ready-made basket of investments.

With the money pooled together from many individuals, fund managers invest in a broad range of assets, such as bonds, shares and property. Their aim is to meet the objective of the fund while staying within its predetermined risk profile.

An investment fund allows you to invest in lots of different assets without the need to invest in individual stocks and shares.

A fund platform is a service that allows you to research, buy, hold, monitor and sell funds.

You could think of it like an investment supermarket. It allows you to shop around for funds that match your objectives and risk profile.

Once you’ve bought your funds, the platform allows you to hold them in a tax-efficient ISA if you choose. It also lets you track their performance and sell them if you need to.

An index tracker, also known as a tracker fund or index fund, is a fund that aims to closely track the performance of an index – such as a stock exchange – by investing in companies within that index.

Trackers are known as passive investments because the fund manager isn’t actively managing the investment. Tracker funds are designed to offer investors exposure to an entire index at a relatively low cost.

The drawback of investing in a tracker is the index could be dominated by a particular sector which would leave you vulnerable if that sector were to experience losses.

Unit trusts and open-ended investment companies (OEICs) are both types of professionally managed collective investment schemes, known as funds.

When you invest in a unit trust, you buy units. When you invest in an OEIC, you buy shares. Either way, you’re effectively buying a share in the fund – which is why we refer to your individual investments as ‘fund shares’.

If the value of your fund’s underlying assets rises, the value of your fund shares will rise. Likewise, if the value of the underlying assets falls, the value of your fund shares will fall.

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Global Investment Centre