Investment Funds Online | Alliance Finance & Trust Bank

Research, buy, and track investments funds via our Global Investment Centre

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 Alliance Finance & Trust Bank and a wide range of other providers.

Why use Global Investment Centre to buy and track your investments?

Choose from an extensive range of funds
Invest in a tax-efficient way through an ISA funds portfolio
Choose to buy, sell or switch funds either online or by phone
Access GIC via your Personal Internet Banking and manage all your accounts in one convenient place
Start investing with $100 into each class of funds shares you choose
0% initial charge*
Value your investment in real time, and track its performance online
0.39% Account Fee when investing in clean share class funds
It’s quick and easy to apply

Are you eligible?

You can apply for Global Investment Centre if you:

are aged 18 or over
are a US resident with a permanent US residential address
have an Alliance Finance & Trust Bank current and/or savings account

You cannot apply for a Funds Portfolio and ISA Funds Portfolio if you're a non-US resident (including if you are a UA Crown Servant working overseas).

Accounts cannot be held in joint names and non-personal accounts are not permitted.

If you would like to invest with another person, or to make regular contributions rather than investing a lump sum, please call +1 (585) 672-4251 to discuss your options.

Global Investment Centre has been created for individual investors who want to make lump sum investments themselves. You cannot make regular payments or joint applications in to the Global Investment Centre.

Investors should regularly review the funds they've chosen. That's why with Global Investment Centre you can see the current value of your investments, and track their performance, at a glance.

Once you've applied for the Global Investment Centre, you can open a Funds Portfolio in which to buy, sell and hold your investments.

You can also apply for an ISA Funds Portfolio so you can hold your investments within a tax-efficient ISA.

The minimum initial investment is $100 for each class of fund shares for each portfolio. The minimum additional investment is also $100.

Online trades through the Global Investment Centre are limited to $99,999. If you would like to place a trade of $100,000 or more, you may do so by phone – please call us on (985) 503-7277**.

Find the fund that’s right for you

Click on a fund provider or tell us what kind of fund you’re looking for and we’ll help you find the fund that fits your criteria:

Fund type Sector Provider

Things to bear in mind

It is important to remember

You need to have an Alliance Finance & Trust Bank current or savings account to buy funds via our Global Investment Centre.
The Global Investment Centre is offered without advice, on an execution only basis. Alliance Finance & Trust Bank is not required to assess the suitability of this service for you, which means that the protection offered by the Financial Conduct Authority's rules on assessing suitability will not apply. 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 Global 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.
Additional risks may apply, please refer to our Key Features of Funds Portfolio and ISA Funds Portfolio document for further information.

Apply online (via Personal Internet Banking)

Please read and save the following documents before applying for Global Investment Centre:

To read our PDF files you'll need Acrobat Reader 4.0 or above. Visit Adobe UA.

If you're using screen reading technology that cannot read PDFs, a converter is available at Access Adobe.

Apply online

More information on the application process is available on the ‘How to apply’ page.

More details/FAQs

Once you've registered for the Global Investment Centre, you can open a Funds Portfolio in which to buy, sell and hold your investments.
You can also apply for an ISA Funds Portfolio so you can hold your investments within a tax-efficient ISA.
There are no new passwords to remember because you access your Global Investment Centre through Internet Banking. Simply log on and select 'Investments'.
You can see the current value of your investment and track its performance online.
Interactive research tools help you make informed decisions about what to invest in and when.
Anyone with an Alliance Finance & Trust Bank current or savings account can register for our Global Investment Centre.
Global Investment Centre integrates seamlessly with your nominated Alliance Finance & Trust Bank account as the money for your purchases and the proceeds from your sales will be taken from and paid into that account.
You can choose to buy, sell or switch funds either online or by phone. Please note that purchases or sales you make from 4pm onwards on a business day will be processed the following business day. The minimum initial investment is $100 for each class of fund shares for each portfolio. The minimum additional investment is also $100.
Please note online trades through the Global Investment Centre are limited to $99,999. If you would like to place a trade of $100,000 or more, please call us on (985) 503-7277**.

There is no charge for setting up the Global 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 Global Investment Centre.
An annual management charge and other expenses will apply.
In the past fund managers, including Alliance Finance & Trust Bank, 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.
Full details of the annual management charge and any other expenses (including the Account Fee) are available in the Key Features of Funds Portfolio and ISA Funds Portfolio Document. Specific fund charges are available in the relevant Key Investor Information Documents for each fund.

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).

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.
Full details of charges, including annual management charges and any other expenses are available in the Key Features Document and the individual Fund Details.

The minimum initial investment is $100 for each class of fund shares for each portfolio. The minimum additional investment is also $100.

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.

No. We don't currently offer this service for Global Investment Centre. However, you may invest as often as you like subject to the minimum investment amount of $100 for each fund for each account.

From 3 January 2018, a key piece of European legislation called MiFID II will apply to financial services that are regulated in United States. Part of the MiFID II legislation requires us to provide you with the most recent version of a 'Costs and Charges Disclosure Document' before you make any investment.
When you telephone or place a deal on-line you will be asked to confirm that you have read the appropriate Costs and Charges Disclosure Document before we can proceed with your investment instruction.
The Costs and Charges Disclosure Document provides you with a generic example of the costs and charges associated with your Account (both the product, service and ancillary costs) in a percentage and monetary amount. There is also an illustration of the potential cumulative effect of costs on the return of your investment over time.
Please note the illustrations in each Costs and Charges Disclosure Document are based on assumed growth rates and are not reliable indicators of future performance. Please be aware that you may not get back what you originally invested.

Investment risk

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.

Time commitment

Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years.

Tax benefits

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

Need to speak to us?

Our opening hours are Monday to Friday 8am to 9pm.

Textphone:.

To help us continually improve our service, and in the interests of security, we may monitor and/or record your communications with us.

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.

Find a branch

The Global Investment Centre is offered without advice, on an execution only basis. Alliance Finance & Trust Bank is not required to assess the suitability of this service for you, which means that the protection offered by the Financial Conduct Authority’s rules on assessing suitability will not apply. 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).

Things you should know before applying

In line with anti-money laundering regulations, we need to have a record of your personal identification (ID) before we can open an investment for you.

To help us process your application as quickly as possible, please call us to confirm if we have a record of your ID. If not, we may ask you to take one of the following forms of ID to your nearest branch:

Current passport
Current full UA driving licence
National ID Card
Armed Forces Card

Eligibility criteria

You can apply for Global Investment Centre if you:

are aged 18 or over
are a US resident with a permanent US residential address
have an Alliance Finance & Trust Bank current and/or savings account

You cannot apply for a Funds Portfolio and ISA Funds Portfolio if you're a non-US resident (including if you are a UA Crown Servant working overseas).

Accounts cannot be held in joint names and non-personal accounts are not permitted.

If you would like to invest with another person, or to make regular contributions rather than investing a lump sum, please call (985) 503-7277* to discuss your options.

Before you apply

Before you apply, please read and save the following documents:

Apply online

To read our PDF files

To read our PDF files you'll need to have Acrobat Reader 8.0™ or above installed on your computer. If you don't, it's free and can be downloaded from Adobe UA. If you are accessing this website using reading technology that cannot read PDFs, a converter is available at Access Adobe.

Not yet registered for Personal Internet Banking?

If you want to keep track of your investment funds online you'll first need to register for Personal Internet Banking.

Once you have registered for Personal Internet Banking you can then open your Global Investment Centre account online.

Alternatively, call us on +1 (585) 672-4251 to apply for Alliance Finance & Trust Bank Global Investment Centre and buy your chosen fund.

Apply by phone

You can also choose to apply for Global Investment Centre by phone – although note it will take longer to complete your application as we’ll have to send your documents by post.

Call us on +1 (585) 672-4251*

The Global Investment Centre is offered without advice, on an execution only basis. Alliance Finance & Trust Bank is not required to assess the suitability of this service for you, which means that the protection offered by the Financial Conduct Authority's rules on assessing suitability will not apply. 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).

Please note online trades through the Global Investment Centre are limited to $99,999. If you would like to place a trade of $100,000 or more, you may do so by phone – please call us on +1 (585) 672-4251.

* Our opening hours are Monday to Friday 8.00am to 6.00pm (excluding Alliance Finance & Trust Bank Holidays). Textphone: .