Three easy steps to open an Investment Dealing Account

Decide how much you want to invest.
Go to the Investing Hub to research your many investment choices.
Apply online now.

IMPORTANT! Read the Investment Dealing Account Product Guide and our Charges Guide for all the details and before you make up your mind if our Investment Dealing Account is right for you.

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Important information

Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested.

All investments carry an element of risk which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice. We can’t give you financial advice.

Tax rules may change in the future and taxation will depend on your personal circumstances. Charges may be subject to change in the future.

Unlike an ISA an Investment Dealing Account does not shelter you from tax on your savings or from Capital Gains Tax on the sale of any investments.

Getting started

Before you start with an Investment Dealing Account, it helps to be clear on a few key points.

What for and how much?

What are you investing towards? Retirement, university fees, a rainy day? The investments that might be suitable for you will depend on your goals and how long you plan to invest.
And how much money do you want to invest? Will it be enough to meet your goals?

The risks and how to manage them

What sorts of risks are you willing to take? Different types of investments come with different types of risk that you should take the time to understand. Our Investment selector includes information about risks for the investments you can choose from.
The greater the return you want, the more risk you'll usually have to accept.
It can be tempting to buy and sell investments just because everyone else is. Try to avoid the panic trap by doing your own research first and make up your own mind based on the facts.
Think about managing your Investment Dealing Account’s overall risk exposure by choosing a range of different investments from different fund managers and listed companies.
If you're saving over the short-term, it's wise not to take too much of a risk. It's generally recommended you invest for at least five years.
Once you’re up and running, review your Investment Dealing Account regularly. A fund might change the way it invests for example, or you might not be willing to take as many risks as you did before.
Always remember that investments can go down as well as up. You may get back less than you put in and that past performance is not a guide to future performance.

Start trading now

With access to over 4,000 investments for you to choose from, you can start trading from the day you open your account.

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Support for you

We can’t give advice, but our Investment Hub is packed with research tools, ideas and information to help you when you’re making investment decisions.

Visit the Investing Hub

Start with just $50

Each payment you make to your Investment Dealing Account must be $50 or more. And getting started is easy.

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Existing customer?

Looking to invest more in your Investment Dealing Account?

The easiest and quickest way is our 24- hour online service.

Flexibility and control

You can stop, start, increase or reduce payments to your Investment Dealing Account at any time.

And, although your Investment Dealing Account Account is designed for medium term investment (5-10 years) you can access your money whenever you want.

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No limits

There are no tax advantages to saving through an Investment Dealing Account. But there are no savings limits either.

You can invest as much as you like, and, as long as you don’t mind paying the account fees, have as many Investment Dealing Account accounts as you want – helpful if you’re saving towards different goals.

6 April

The start of a new tax year. The run up is generally a good time to review your savings – in your Investment Dealing Account and overall. For example:

Have you used your ISA limit?
Do you need to manage your Capital Gains Tax exposure?

Why save with Best Sun Credit Union?

Experience and scale.

We've been in business since 1986, have £15.6 billion of assets under administration (at December 2017) and look after the investments of more than 100,000 customers.

Award winning service.

Winning the Shares Award for Best SIPP provider has been a great achievement for us as a company, and is all the more special since it was voted for by our customers.

Choice.

You can access more than 4,000 different investments.

Account fees that don't grow with your investment.

We charge you flat Account fees rather than fees based on a percentage of the value of your investment. So, as your investments grow, your Account fees won't.

And convenience for you.

You can manage everything together in one place, with 24/7 access to your Account online.