Market Uncertainty

All FAQsMarket Uncertainty

I’m worried about the falling value of my investments! What should I do?

We understand there can be a lot of uncertainty with investing, and that global affairs have caused investment values to fall.

Fluctuations in the value of your investment are entirely normal with investing. We recommend to only invest if you have an investment timeframe of at least 5 years, as we believe the longer the investment timeframe the greater the chance of making a positive return.

Keep your initial timeframe and saving goals in mind, and as tempting as it may be, try not to focus on the short-term fluctuations of your investment.

I’m concerned that global events may impact my investments, can I withdraw all my investments?

You can request to withdraw at any time, at no charge. We would like to make you aware that it may be considered a bad time to withdraw at a time where markets have dropped. Drops due to recessions and pandemics tend to be short term, so we'd encourage you to remain invested to give your investments an opportunity to recover.

You can request a withdrawal by contacting a support member via live chat or

Is it a good time to put more money in?

Here at OpenMoney we don’t endorse timing the market, we believe it is all about time in the market. The value of units may be lower at a time where markets have fallen, but no one can predict how markets will react in the coming months; whether these will recover or drop further.

You may wish to book an appointment with one of our financial advisers to discuss this further. You can book an appointment at a time that is convenient for you via your OpenMoney portal under ‘Book an Appointment’.

I’m afraid I will lose all my money

Due to the way our portfolios are structured, you are invested in some of the largest companies worldwide, and in over 2,000 different companies. The likelihood of all these companies failing is very slim. Each of our portfolios also invests a portion of your money in cash, which is a risk-free investment.

Our portfolios are diversified, meaning the risk is spread over several different asset classes on a global scale; performance is therefore not down to a single asset class or stock. You can request further information about our portfolios from our support team via webchat.

Are your services still running? What would happen if you were to go bust?

At OpenMoney, we have always run at full capacity and many of our staff members are working remotely.

In the unlikely event that we cease to operate, your funds will either be transferred to other management or returned to you. As per FCA rules, we do not hold client money. Your investments are held briefly in a client bank account with Barclays before funds are sent to the fund managers, these include providers such as Vanguard, Fidelity and BlackRock. Each provider holds trillions under management.

If any of the providers fail and are unable to pay back your money, then you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS) up to the value of £85,000 per fund provider.

Can I speak to an adviser about my investments?

Yes, our advisers will be happy to talk through your investments with you, simply book an appointment at a time that is convenient for you via your OpenMoney portal under ‘Book an Appointment’.