How your investment adviser manages your money

We ensure that all of our investment advisers:

  • follow a clear and thorough process designed to clarify exactly what you need from your investments
  • have access to a meticulously-researched and managed range of investments specifically selected to meet clients’ different needs

This short animation explains the approach your investment adviser will take:

Investing your money

Once your Openwork investment adviser understands your current situation, future plans and goals and attitude to risk, they'll begin designing your investment solution.

We believe the single most effective way to reduce investment risk is to diversify all clients’ investments across a broad range of securities. We also think that the best way to do this is to invest in funds, not individual stocks. In a fund, your money is widely diversified – but because your money is pooled with many other investors’, the cost you pay for this diversification is low.

Unlike many, we freely admit that no-one knows which fund managers will turn out to be the most effective over the years. Similarly, if we were to employ our own fund managers, it’s unlikely that they would be the best in the business at all times. So, we have no fund managers.

Instead, Openwork runs a team of extremely powerful and experienced investment professionals. Their job is to identify and hold to account some of the best fund managers they can find. And, if any of our chosen fund managers stop delivering to our requirements, we retain the right to swap them for those who can.

You should not use past performance as a reliable indicator of future performance. It should not be the main or sole reason for making an investment decision. The value of investments and any income from them can fall as well as rise. You may not get back the amount you originally invested.

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