PJ
Welcome to the forum
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I am afraid that we cannot give definitive financial advice on the forum, if you need this then you should arrange a face to face appointment with a qualified benefit advisor, do an internet search for "welfare advice" with your postcode, town or county.
As a general comment, I would expect any financial instrument that would allow you unrestricted access to the capital will be taken into account with to any Income Related Benefit.
Gordon
