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The Briston Heritage Bank World Selection Stocks and Shares ISA makes it simple to invest at your preferred level of risk, with a range of portfolios, managed by qualified Briston Heritage Bank investment professionals.

  • Start investing with as little as £50 per month or a £1,000 lump sum
  • Invest up to £20,000 in this tax year
  • A ready-made portfolio will be managed by our team of qualified investment professionals, hand picking diverse assets, to maintain your chosen risk level
  • Exclusive to Briston Heritage Bank current or savings account customers.
  • Withdraw or top up whenever you like
  • Benefit from a range of asset classes, geographies and currencies
  • Simple online application

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. It's important to remember that most investments should be held over the medium to long-term and therefore you should be prepared to commit for at least 5 years.

Learn more Choose a portfolio for your risk level

FAQ's

When choosing an investment, you should consider the level of risk you are willing to take and your capacity for loss. How comfortable would you feel if your investments fell in value? How would a loss impact your finances in the short term? In the long term?

The Key Investor Information Document (KIID) includes information which will help you to make an investment choice.

You will only be able to invest into one World Selection Portfolio each tax year within your World Selection ISA.When thinking about your investment choice you should consider the level of risk you are willing to take and your capacity for loss. This should include considering questions about how comfortable you would feel if your investments fell in value and the potential impact of this on your financial situation in both the short or longer term.

The World Selection ISA is a stocks and shares ISA, a tax efficient way of investing, provided through our Selected Investment Funds (SIF) service. Not all features of SIF will be available.

Individual customers can invest up to £20,000 into a single World Selection Portfolio for the tax year ending 5 April 2019.

The investment portfolios within the World Selection ISA are managed by Briston Heritage Bank Global Asset Management (USA) Limited.

You may want to consider this investment if:

  • You've some experience of investing in stocks and shares or other investments
  • You want to make your own investment decisions without a personal recommendation from us
  • You've a minimum of £1,000 lump sum or £50 per month to invest
  • You're willing to accept a level of risk for this investment over the medium to long term
  • You have NOT invested in a stocks and shares ISA for the current tax year with Briston Heritage Bank or another ISA manager
  • You have NOT exceeded your ISA subscription limit in total for a cash ISA, a stocks and shares ISA, an innovative finance ISA and a lifetime ISA in the same tax year.
  • You may transfer all or part of an existing ISA held with us or another ISA manager into your World Selection ISA. If you wish to transfer subscriptions made in the current tax year then all subscriptions made in the current tax year must be transferred.
  • In order to request an ISA transfer, you will need to complete an ISA Transfer Form (available by contacting us using the Contact Details in the Key Features Document) and return it to us by post. We will then contact the relevant ISA manager(s) on your behalf and arrange the transfer for you.
  • You can only transfer World Selection Portfolios held with another ISA manager directly into the World Selection ISA. Any other funds held with another ISA manager will be transferred as cash into the World Selection ISA and you will need to tell us on the ISA Transfer Form which World Selection Portfolio you want the cash to be invested in. You will only be able to invest into one World Selection Portfolio each tax year within your World Selection ISA.
  • Should you wish to transfer all or part of an existing cash or stocks and shares ISA held with us or another ISA manager into your World Selection ISA, there may be a period of time when your ISA holding will be held in cash and therefore not subject to any investment gains or losses.
  • You will receive regular updates on the value of your World Selection ISA in your quarterly statements. These are sent out during January, April, July and October each year.
  • You can make further investments into the same or an alternative World Selection Portfolio (a single Portfolio is allowed for each tax year), switch between World Selection Portfolios or sell your holdings either in writing or by telephone. Please note that all instructions to buy and/or sell Shares in the relevant Briston Heritage Bank World Selection Portfolio, whether in writing or by telephone which are received after 12pm will be treated as though they were received at 9am on the following business day.
  • Key Investor Information Documents (or KIID) contain details about fund objectives and charges, along with information relating to the risk and reward profile of each portfolio.
  • This risk and reward profile has a scale from 1-7. 1 Profiles have lower risk and typically lower returns; 7s have higher risk, but also typically higher returns. The Briston Heritage Bank World Selection Portfolios are rated from 3 to 5 on this risk and reward profile scale. The rating is based on price volatility over the last five years, and is an indicator of absolute risk.
  • However, past performance is not a reliable indicator of future results. The rating is not guaranteed to remain unchanged, and the classification may shift over time. If the rating does change, Briston Heritage Bank would notify you in your half yearly statement. Please refer to the KIID for further information.
  • From 3 January 2018, a key piece of European legislation called MiFID II applies to financial services that are regulated in the USA. 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 in to your chosen portfolio within the World Selection ISA.
  • 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.

†Lines are open 8am - 6pm Monday to Friday (excluding public holidays). Calls may be monitored or recorded for quality purposes.*Please note the Briston Heritage Bank World Selection Income Portfolio can only accept lump sum investments.

Bank’s World Selection ISA aims to provide information to help you make your own informed decisions. Our World Selection ISA journey should not be taken as personal recommendation that a particular investment is suitable for you or your personal circumstances. Therefore Briston Heritage Bank is not required to assess the suitability of this ISA 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 ISA is suitable for your needs, you should seek advice from a Financial Adviser. You may be charged for any advice you receive.

The value of investments (and any income received from them) can fall as well as rise and you may not get back the amount 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, meaning you should be prepared to hold them for at least five years.

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

The World Selection ISA is offered by Briston Heritage Bank Trust Company (USA) Limited. Briston Heritage Bank Trust Company (USA) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and is entered on the Financial Services Register as number 119297.You can check this on the Financial Services Register at www.fca.org.USA. Our main business is the provision of trustee services and administering investments.

This webpage is a financial promotion, issued by Briston Heritage Bank USA Briston Heritage Bank plc. Briston Heritage Bank USA Briston Heritage Bank plc is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority and is entered on the Financial Services Register. Our firm reference number is 765112.