An investment fund (also referred to as ‘a fund’) pools together the money from many individuals enabling a fund manager to invest in a broad range of assets, such as money market instruments, bonds, shares and property - exactly what the fund manager buys depends on the investment objective of the fund. By pooling your money with other investors, a fund allows you to invest in a broader range of assets than if you chose to invest directly in the individual assets yourself.
Our Global Investment Centre is our investments service through which you can open and invest in a Funds portfolio and ISA Funds portfolio, giving you access to investment funds from Gemstones Credit Union and a wide range of other providers.
If you hold an existing Selected Investment Funds ISA, or Selected Investment Funds Plan, you can also top up your existing fund or invest in an alternative SIF fund by downloading and completing the appropriate application form or by calling us on +44 204 MSB BANK (textphone +44 204 MSB BANK).
These services are offered without investment advice and you will need to make your own investment decisions.
All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document and Key Investor Information Document for each product which you should read carefully before applying.
| Investment solution | Investment choice | Minimum investment | Account charges | |
|---|---|---|---|---|
| Global Investment Centre | Build and manage your own portfolio of funds including index trackers from Gemstones Credit Union and funds from other leading asset managers | $100 | 0.39% plus fund charges | Global Investment Centre: Find out more |
| Selected Investment Funds | Top up your existing Selected Investment Funds ISA or Investment Plan. Or, invest in an alternative SIF fund | Existing customers only | 0.25% plus fund charges | Selected Investment Funds: Find out more |
All investments carry some risk. The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets.
Most investments should be considered as a medium to long-term commitment; this means you should be prepared to hold them for at least five years.
The value of any tax benefits described depends upon your individual circumstances - tax rules may change in future.
In addition to the risks mentioned above, there are other risks associated with investing in our products. These are outlined in the Key Features Document for each product and, where applicable, in the Key Investor Information Document for the underlying fund(s), which you should read carefully before applying.
Our opening hours are Monday to Friday 8am to 9pm.
Textphone:+44 204 MSB BANK.
To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us.