CushonMe is our free investment risk and performance monitoring service. Its powerful algorithms will check up on your investment every single day and send you an email if any of its alerts are triggered.
It’s completely free to you (we pay for it out of the flat 0.95 % pa charge for investing with us) and you can read more about CushonMe here. But if you'd prefer not to have CushonMe you can choose to opt out when you set up your account.
The daily review covers five key things:
whether other investments in our comparison tables have significantly better projected returns
the recent performance of your investment
whether your investment is on track to meet the targets you've specified
Risk / return:
whether the risk/return profile of your investment has changed because:
whether other investments in our comparison tables have significantly lower charges
One thing CushonMe won’t do is send you junk email. There are thresholds on each item to make sure we only alert you if it's really worth it.
CushonMe uses the same techniques as big financial services companies use to manage their own money, but it does not provide advice and you still make all your own decisions on what to do. We use sophisticated actuarial technology and we're the only people making this sort of powerful service available directly to consumers.
A breakdown of the charges for this investment is below. There are no other charges. You can switch funds, cash in your investment or transfer it to another provider for free at any time.
|Fund managers' charges||0.16%||0%||None|
|Royal London Short Term Money Market Y Acc||0.10%||0%||None|
|HSBC Sterling Corporate Bond Index C Acc||0.19%||0%||None|
|Vanguard FTSE UK Equity Income Index Acc GBP||0.14%||0%||None|
|Baillie Gifford American B Acc||0.51%||0%||None|
We make no initial charge on any of our investments. However, funds do incur dealing costs which they may pass on to you (at cost). Often these are free because funds get big economies of scale and can net trades off against each other, but if they do apply they are typically between 0% and 2% as a one-off cost.
The fund managers' charges apply on a fund-by-fund basis. The total shown is based on the initial proportion invested in each fund.
With our easy to use online account you get everything in one place. No more lost paperwork. No more hassle.
From your account you can do all the standard things you'd expect to be able to do like:
But, because you're with Cushon, you'll also find thing you might not expect like:
And our robust security measures mean you can be confident your money is safe and secure.
If you choose to invest via your bank account this will not connect your investment choice to any contributions made via payroll deduction. Are you sure you want to continue with this selection?
This is the test environment that we use with our corporate clients to make sure everything works.
If you're not expecting to be here then you've probably been given the wrong link. Please email us at email@example.com to let us know, and tell us how you got here.
Any accounts set up here are for testing purposes only and no real money will change hands. By proceeding you confirm that you understand this.