commingled accounts

объединенные счета
В тех случаях, когда с целью достижения экономии на масштабах инвестиций несколько счетов в трастовом отделе банка управляются как один счет, эти счета называют объединенным счетом. Банки не могут продавать паи населению, что увеличило бы размер средств на этих счетах и превратило бы банки, по сути дела, в "открытые" инвестиционные компании или взаимные фонды. Однако недавно принятое Верховным судом решение позволило банковским холдинговым компаниям консультировать, спонсировать и организовывать "закрытые" инвестиционные компании, которые могут продавать лишь строго ограниченное число паев; их сертификаты впоследствии обращаются на открытом рынке подобно обыкновенным акциям.

Англо-русский словарь по инвестициям. 2014.

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