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Cash interest explained

You will receive interest on balances in your platform cash account at the prevailing rate.

Embark Investment Services Limited acts as the custodian for investments on the Willis Owen platform and is one of our strategic partners that provides our Willis Owen ISA, GIA, Junior ISA and SIPP.

Embark places cash with a number of banking partners for safekeeping and to provide the potential for you to earn interest on money in your platform cash account. By managing cash in this way, it aims to provide better protection and a higher overall level of interest than if all funds were placed with a single bank.

The rates of interest paid by banks will vary. Embark retains a portion of the interest earned to cover its costs in managing platform cash.

Current Interest Rate

The table below shows the current customer interest rate payable on cash balances along with the amount of interest retained by Embark. The customer interest rate shown is that after accounting for interest retained by Embark:

Date From Customer Interest Rate Interest retained by Embark
25th March 2024 2.46% 1.75% - 2.00%

Embark can change the rate of interest at any time and it reviews the position at least quarterly. Interest is calculated and accrued daily and is credited to your account on the first of each month. If you transfer out, accrued interest is applied at the point of transfer. We will inform you if and when the interest rate changes as soon as is practicable.

Interest retained

The table below shows the yearly equivalent rates of interest Embark expects to pay based on a range of possible yearly interest rates it may earn.

Interest Embark expects to earn Customer Interest Rate Interest retained by Embark
0-1% 0 – 0.46% 0 – 0.54%
1-2% 0.46% – 0.94% 0.54% – 1.06%
2-3% 0.94% – 1.46% 1.06% – 1.54%
3-4% 1.46% – 2.02% 1.54% – 1.98%
4-5% 2.02% – 2.61% 1.98% – 2.39%
5%+ 2.61%+ 2.39%+

Historic Interest Rates

To see details of historic customer interest rates, along with the amount of interest retained by Embark, click here.

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Researching Funds

We provide a range of filters and tools for you to narrow the Fund universe to reflect your requirements

Useful tools

Willis Owen provides a number of free, easy to use research tools to help you build your portfolio.

When choosing Funds to invest in, your first step should be explore. You will have access to hundreds of Funds, but don't let that put you off because you can easily filter them to draw up your shortlist.

Also, you can compare the performance of your selected Funds against their benchmarks and other Funds you may be considering, using our interactive charting tool.

Specific information on each Fund is available including prices, yields, factsheets and reports.

Be better informed

explore is powered by Morningstar, a leading provider of independent research on Funds and Equities, investment data, and analysis tools for investors worldwide.

Morningstar produces many rating systems, such as the Morningstar Rating and Morning Medalist Rating. These analyses the ratings in a quantitative and qualitative way respectively. The team at Morningstar has a strict process driven method in awarding ratings – where only Funds they have the highest conviction is awarded 5 stars and a Gold rating.

All this information and more is available at your fingertips through : explore, so you really can be better informed as you embark on Fund selection.


Use our Funds selection tools to narrow down the choices and find those which align with your investment goals and objectives.


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