Invest In Fund

Fund Investment

Start investing with just $100 Funds can be a great way to diversify and spread your risk. We offer 3 different ways to invest in funds. What’s right for you will depend on how much choice you’re looking for and whether you want to build your own portfolio of investments or choose a ready-made portfolio. Whichever way you invest, you'll get access to our online funds platform, Global Investment Centre. This means you can top up, track, manage and withdraw funds from your investments quickly and easily – all via your online banking Bear in mind the value of these investments, and any income they generate, can fall as well as rise. So you could get back less than you invest. You can access your money at any time, although investing should be regarded as a longer-term strategy of at least 5 years. All our funds are offered without investment advice. If you’re not sure about investing or how much risk you’re comfortable with, you could visit our article hub to find out more. Or you may want to explore our investment advice options.





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How do you want to Invest

Choose an Investment portfolio Looking for an easy way to invest? Choose one of investment Global Strategy Portfolios – a one-stop investment that’s managed on your behalf. All you need to do is choose your preferred level of risk and we’ll take care of the rest. Explore full range of funds Like doing your own research? Use our Global Investment Centre to search over 550 funds from Investment and other leading fund managers. As well as multi-asset funds, you’ll find index trackers and single-asset funds.

Browse our fund shortlist Looking for more choice? Browse a selection of ready-made portfolios from Investment and other carefully-selected fund managers. Whether you’re investing for income or for growth, discover our shortlist of managed, multi-asset funds.

Invest In Shares

Online share dealing

Open an InvestDirect sharedealing account via your online banking Buy and sell shares online If you’re happy making your own investment decisions, our online sharedealing platform puts you in control. InvestDirect provides you with the tools to make informed investment decisions yourself. You can access interactive market research, set up share price alerts and test your trading strategies via a virtual portfolio. You have full control over your investments and you can trade in UK equities, UK government bonds, investment trusts and a range of UK-listed exchange-traded funds. 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. Remember that exchange rate fluctuations can also cause the value of investments to go down as well as up. InvestDirect doesn’t offer any investment advice. If you’re not sure about investing, please seek financial advice. You can open a sharedealing account if you’re: an Investment Credit personal current account customer registered for online banking a UK resident or UK Crown employee at least 18 years old





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Features and Benefits

Trade online in USA shares for $10.50, or as low as $7.95 for frequent traders Quarterly account fee of $10.50 for the safe custody of your assets No extra costs for holding your investments in an ISA

Access via your online banking See your trading balance every time you log on Transfer in investments you hold elsewhere To access your money, you can sell your shares at any time – however you should aim to invest for at least 5 years

Choice of 2 Accounts

InvestDirect Trade in UK equities, investment trusts, gilts (England government bonds) and a range of UK-listed exchange-traded funds (ETFs) You’ll pay for shares through a settlement account that we set up for you which is linked to your Ovabay Investment current account.

Stay on top of your money while you study

InvestDirect Plus At no extra cost, InvestDirect Plus provides you with these added benefits: Trade in US equities listed on the New York Stock Exchange and NASDAQ Borrow against your investments to buy additional shares with our trading reserve facility Frequent trader tariff – after your 9th trade in a calendar quarter your online trading fee drops to just $7.95 for UK trades Open euro and dollar currency settlement accounts .

Smart Investor

Smart Investor

Make saving and investing less taxing Use your ISA allowance by 5 March, and feel good knowing you won’t pay tax on any money your ISA makes Capital Wave Trust Unionhas been helping its customers achieve their financial goals for over 15 years but if you’re still deciding if investing is right for you, understanding the benefits and drawbacks of cash savings vs investing is a great place to start. The value of investments can fall as well as rise. You may not get back what you invest. On this page you’ll find information about Smart Investor so you’ll be able to decide if it’s right for you, and tips on how to get started. What you won’t find is personal financial advice so if you’re not sure about investing, seek independent advice .





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What can Smart Investor help with

Start your investment journey so you can aim to reach your financial goals faster Make informed and confident decisions using the insights from our team of investment experts

Keep up to speed with latest developments in global markets and the trends shaping the world today

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