Whether you're an experienced investor or looking to invest for the first time, OpenMoney are here to help your money grow.
We'll ask you some simple questions to see if you're ready to invest. If you are, we'll recommend the right investment products for you. If you're not, we can set you on the right track.
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We offer three investment products. Based on your goals, we'll tell you which products to invest in.
Your money is invested in stocks and shares, which have the potential for higher growth compared to cash savings. It also protects your money from income and capital gains tax.
A Personal Pension can help you prepare your financial future. Our government approved Pension gives you tax relief on contributions made towards your retirement.
Our GIA offers complete flexibility with your investments and gives you access to your money without restrictions. With no personal allowance, you can invest as much as you like.
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We’ll give you a personalised recommendation on whether you should manage, save or invest your money.
We’ll ask you some simple questions about your income and spending to find out where you are financially.
Based on what you tell us, we’ll recommend what you should do to improve your financial situation.
Whether we tell you to manage, save or invest your money, we’ll give you the tools to reach your financial goals.
Our investments FAQs provide a useful guide to help get you started.
We use something called a passive investment strategy. This means that, unlike some other investment providers, we don’t try to beat the market by swapping and selling our investments regularly. We choose some good quality, low cost funds to build a portfolio with, and we track them against a benchmark. We make minor tweaks, such as swapping a fund or changing the amount customers have invested in a certain type of asset (like a share) from time to time, to keep costs low or manage other risks.
We invest in assets from all over the world! We want our portfolios to be well diversified, which means we like to have shares and bonds in companies and governments from all over the world. This means that if an event impacts one area of the world, for example an election in the US, or natural disaster in Asia, it shouldn’t have a massive impact on your overall investment.
If you choose to invest with OpenMoney, we will advise on which portfolio is right for you, rather than giving you a choice. We offer a range of model portfolios which have a diversified mix of different assets, at a risk level appropriate for you. You don’t have to do anything except provide a few basic details and answer some questions.
Our fully trained webchat team are available Monday to Friday, from 9am - 8pm to answer any of your questions.Start live chat >
To discuss anything OpenMoney with a member of the team, give us a call Monday to Friday, 9am - 5pm.Call us on: 0161 204 3200
Our team will be happy to answer any questions. Get in touch and we'll get back to you within 48 hours.Send an email >
*Fees correct as of April 20th 2020