Invest knowing it’s right for you

Our advised service makes sure that investing is the most suitable option for you.

Capital at risk

An illustration of a woman watering a money plant

Regulated

Authorised and regulated by the Financial Conduct Authority (FCA).

Protected

The FSCS protects customers for up to £85,000 when authorised financial services firms fail.

Expert advice

Qualified advisers over the phone and online.

How advised investments work

1. Tell us about you

Tell us about your financial situation, your goals and your attitude towards investment risk.

2. Get your initial advice

We let you know if investing is the most suitable option for you. If it isn’t, we’ll give you advice on how to get there.

3. See your recommendation

Based on what we know about you, we'll recommend an ISA, Pension, General Investment Account (GIA) or a combination.

4. Speak to us, no extra charge

Our advisers are available if you have any questions about your recommendation. Phone appointments are free.

Where we invest your money

OpenMoney portfolio’s are made up of a variety of indexes from world-leading providers, giving you exposure to a balance of shares and bonds across a range of industries and geographies.

So when you invest in an OpenMoney portfolio, some of your money will also be invested in a range of brands that you may already know.

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Choose to invest knowing it's your best next step

Free initial advice on your overall financial situation, no strings attached.

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Capital at risk

  • Advice focused on your goal

  • No obligation

  • No upfront costs

Investment returns, performance and fees

Each of our portfolios includes a diverse range of low-cost investments to reduce your risk.

Initial investment
Monthly investment
Years
Total invested

Heading

Projected value

If markets perform worse:

If markets perform better:

The projected values show the possible future value of your plan in different market conditions. These are only forecasts and not a reliable indicator of future performance. With investing, your capital is at risk and you could get back less that you put in. Learn more

If you had invested £1,000 on 24/04/17, it would have been worth £1,183.20 on 01/01/22.

If you had invested £1,000 on 24/04/17, it would have been worth £1,338.30 on 01/01/22.

If you had invested £1,000 on 24/04/17, it would have been worth £1,448.60 on 01/01/22.

*The performance figure for 2017 is from 24/04/17 – 31/12/17 which is the date we launched the business to the end of 2017.
The performance shown is net of charges. Portfolios launched on the 24/04/17 and the figures are based on the actual performance of our investment portfolios. Past performance is not an indication of future returns. Source: FE Analytics

Our fees are low so you can keep more of your money

Portfolio 1
Portfolio 2
Portfolio 3
Ongoing advice fee
0.50%
0.50%
0.50%
Product fee
0.10%
0.10%
0.10%
Ongoing fund charges
0.16%
0.15%
0.13%
Total per year
0.76%
0.75%
0.73%
Total cost per £100 invested per year
£0.76
£0.75
£0.73

Ongoing advice fee

0.50%

Product fee

0.10%

Ongoing fund charges

0.16%

Total per year

0.76%

Total cost per £100 invested per year

£0.76

Ongoing advice fee

0.50%

Product fee

0.10%

Ongoing fund charges

0.15%

Total per year

0.75%

Total cost per £100 invested per year

£0.75

Ongoing advice fee

0.50%

Product fee

0.10%

Ongoing fund charges

0.13%

Total per year

0.73%

Total cost per £100 invested per year

£0.73

Use our fees calculator to see how much you’d pay

If you invest:
£
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You'd pay OpenMoney annually*

Calc-amount

Learn more about how our fees work*.

Fees quoted are shown annually, however charged monthly as a percentage of the total value of your Portfolio. The amount you pay will vary depending on the value of your investments across the month.

*0.76% is a representative example, based on the fees associated with Portfolio 1 as at 04/07/2022 based on a 12 month rolling average

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Personalised advice on your money before you invest

In less than 15 minutes.

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Capital at risk

Withdraw anytime

Apart from pensions, your money isn't 'locked-in', withdraw for free at any time.

Low fees

Our total fees are 0.76%. That's only 76p for every £100 you invest.

Experts on hand

Qualified advisers are here to help at no extra cost.

Non advised providers

Managed investment portfolios

View investments via app

Regulated financial advice

Annual portfolio review

Expert financial advisers - online or over the phone

Advice on mortgages and insurance

The performance shown is net of charges. Portfolios launched on 24/04/2017 and the performance shown is based on the actual performance of our investment portfolios. Past performance is not an indication of future results.
Source: FE Analytics, as at 01/01/22.

Projected value: this is using the average annualised return of our portfolios from 24/04/17 – 01/01/22.

If markets perform better: this is using the average annualised return of our portfolios from 24/04/17 – 01/01/22 plus 2% each year.

If markets perform worse: this is using the average annualised return of our portfolios from 24/04/17 – 01/01/22 minus 2% each year.

Whilst we have used our past performance data for the projections it is important to note that past performance is not necessarily how the portfolios will perform in the future.

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