Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.

Asset-backed Investments

There are many different asset-backed investments open to the individual investor. Each type has own specific risks, benefits and taxation treatment.

Investment Overview

This at-a-glance guide is intended to give you a quick snapshot of a range of different investment vehicles available.


A platform brings together your investments and pensions online, allowing you to view them in one place – a bit like online banking.

Individual Savings Accounts (ISAs)

Under the so-called ‘New ISA’ (or NISA), Cash ISAs and Stocks and Shares ISAs have effectively been merged.

In the 2018-19 tax year, the personal allowance was £11,850, but this has risen to £12,500 in the 2019-20 tax year. This means you can earn £650 more in the 2019-20 tax year than in the previous tax year before you start paying income tax.

Deposit Based Investment

There are various deposit-based investment vehicles available. Many customers will have money on deposit either with a bank or building society.

The value of investments and any income from them can fall as well as rise. You may not get back the amount originally invested.

*Will writing is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business.