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 Brayon Heritage Bank 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 Live & Email Support (textphone Live & Email Support).

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.