TRUST INTERNATIONAL PREMIER BANK | Other products

WHY INVEST WITH US?

  • Spreading the risk — our general approach is to diversify your holdings in order to help spread the risk.
  • A truly international focus — our team specialises in US Dollar, Euro and international investments, not just Sterling and the FTSE.
  • An open-minded approach — because no-one has a monopoly on the best investment ideas, we invest in the funds of other Investment Managers.
  • Expert Investment Managers — Our Investment Managers are backed by a team of researchers, planners and analysts who are experts in their own right. It's their aim to make your investment a success by carefully monitoring the right asset classes and selecting the best investments for your money.

Remember that the value of investments and income taken from them can go down and be affected by currency fluctuations, so you may get back less than you invest.

Things to bear in mind

It is important to remember

You need to have an TRUST I.P. Bank premier or savings account to buy funds.

Our Investment Centre is offered without advice, on an execution only basis. TRUST I.P. Bank is not required to assess the suitability of this service for you. If you have any doubts about whether this service is suitable for your needs, you should seek advice from a Financial Adviser (you may be charged for any advice you receive)

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.

Investing through our Investment Centre involves taking some investment risk. The value of investments can go down as well as up and you may get back less than 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.

You should carefully consider the specific risks of investing in emerging market securities.

The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

How much does it cost?

There is no charge for setting up the an Investment Centre service.

  • An Account Fee of 0.39% per annum applies when investing in clean share class funds.
  • There is no initial charge on any funds in the Investment Centre.
  • An annual management charge and other expenses will apply.

In the past fund managers, including TRUST I.P.B., have used several different methods to illustrate charges. To make these charges clearer and comparisons simpler for you, we’re moving to the Ongoing Charges Figure (OCF), which is being adopted throughout the investment fund industry. The OCF incorporates the Annual Management Charge (AMC) as well as any other additional charges from the fund provider.

What types of funds can I hold?

There is a wide range of open ended investment company (OEIC) and unit trust clean share class funds that you can hold within each of your account(s).

What are the charges?

An Account Fee of 0.39% per annum applies when investing in clean share class funds. There is no initial charge on any funds in the Global Investment Centre; however an annual management charge and other expenses will apply.

 

 

The Account Fee will be charged as an annual percentage rate and calculated using the value of any holdings in clean share classes within your account. The annual percentage rate for the Account Fee will be 0.39% per annum. The charge will be taken on a monthly basis from your default settlement account for your Funds Portfolio in arrears. The Account Fee will be payable by you for the services we provide when arranging the sale and purchase of fund shares in clean share classes as well as custody and administration of those fund shares when they are held in your account.

Is there a minimum amount that I have to invest?

The minimum initial investment is £100 (USD 100 or Euro 100 ) for each class of fund shares for each portfolio. The minimum additional investment is also £100 (USD 100 or Euro 100 ).

What happens after I have placed a buy instruction?

If a Buy instruction is placed prior to the dealing deadline (for individual dealing deadlines please see the Fund Details Document for the specific fund) then your order will normally be placed with the fund provider before the fund's next valuation point. The valuation point for each fund is shown in the Fund Details. 

You can then view the status of an instruction by clicking on 'Details' located within the 'My order status' section. Once we receive confirmation that the instruction has been executed by the fund provider, your new holding will be reflected within 'My fund portfolio' section. When you place a Buy instruction a hold will be placed on the required monies in your chosen settlement account or in the case of your ISA this will be the Uninvested cash account. The money will be taken from your settlement account or your Uninvested cash account on settlement day.

 

We will send you a confirmation of the number of fund shares purchased for you and the price you paid.      

Can I make regular contributions to a fund or make a joint application?

No. We don't currently offer this service for our Investment Centre. However, you may invest as often as you like subject to the minimum investment amount of £100 (USD 100 or Euro 100) for each fund for each account.