CUSHON SELF-SELECT FUNDS
Choose your own investments
You can choose to build your own investment strategy using our self-select funds [¹]. Just keep in mind that you will need to monitor your investment funds closely, especially as you get nearer to your target age when you may not want to take as many risks with the money you've saved. Each investment fund carries varying levels of risk and cost.
Fund information varies at times so be sure to check the fund fact sheet in the Cushon app for more details
Capital at risk. The value of investments can fall as well as rise, and you may get less than the full amount you invest.
[¹] You can select from funds, not individual equities or bonds.
Equities based funds
The fund aims to provide long-term capital growth through an investment allocation of Global Equity Securities which all demonstrate the way they make a positive impact on people the planet and profit.
Underlying fund: L&G GPGE Future World Global Equity Index
Asset Class: Equity
Geographical focus: Global
Fund management charge: 0.135%
The fund aims to provide long-term capital growth through an investment allocation to UK equity securities which all demonstrate the way they make a positive impact on people, the planet and profit.
Underlying fund: L&G GPGE Future World UK Equity Index
Asset Class: Equity
Geographical focus: Global
Fund management charge: 0.094%
Underlying fund: L&G EPAG Future World Europe (Ex UK) Equity Index
Asset Class: Equity
Geographical focus: Europe (excluding UK)
Fund management charge: 0.143%
Underlying fund: L&G JPAC Future World Japan Equity Index
Asset Class: Equity
Geographical focus: Japan
Fund management charge: 0.143%
The fund aims to provide long-term capital growth through an investment allocation to North American equity securities which all demonstrate the way they make a positive impact on people, the planet and profit.
Underlying fund: L&G NPAD Future World North American Equity Index
Asset Class: Equity
Geographical focus: North America
Fund management charge: 0.143%
The fund aims to provide long-term capital growth through an investment allocation to Asia Pacific (excluding Japan) equity securities which all demonstrate the way they make a positive impact on people, the planet and profit.
Underlying fund: L&G PPAD Future World Asia Pacific (ex Japan) Equity Index
Asset Class: Equity
Geographical focus: Asia Pacific (ex Japan)
Fund management charge: 0.143%
The fund aims to provide long-term capital growth through an investment allocation to Emerging Markets equity securities which all demonstrate the way they make a positive impact on people, the planet and profit.
Underlying fund: L&G GPEM Future World Emerging Markets Equity Index
Asset Class: Equity
Geographical focus: Global
Fund management charge: 0.290%
The fund aims to provide long-term capital growth by investing in securities of a range of companies listed across the globe whilst meeting Islamic investment principles.
Underlying fund: HSBC Islamic Global Equity Index
Asset Class: Equity
Geographical focus: Global
Fund management charge: 0.340%
The fund aims to provide long-term capital growth through an investment allocation to Global equity securities which exhibit positive change.
Underlying fund: Baillie Gifford Positive Change Fund
Asset Class: Equity
Geographical focus: Global
Fund management charge: 0.440%
This is a building block from our default fund, which gives members the option to choose as a self select:
Underlying fund: Macquarie Sustainable True Index
Asset Class: Equity
Geographical focus: Global
Fund management charge: 0.15%
Bonds based funds
The fund aims to provide diversified exposure to the GBP corporate bond markets and produce a return in line with the performance of the Solactive L&G ESG GBP Investment Grade Corporate TR Index.
Underlying fund: L&G Future World GBP Corporate Bond Index
Asset Class: Bonds
Geographical focus: Global
Fund management charge: 0.125%
The fund aims to provide a long-term investment return through an investment allocation to UK fixed interest gilt securities.
Underlying fund: L&G AA All Stocks Gilts Index
Asset Class: Bonds
Geographical focus: UK
Fund management charge: 0.078%
The fund aims to provide a long-term investment return through an investment allocation to UK index-linked gilt securities.
Underlying fund: L&G Y All Stocks Index Linked Gilts Index
Asset Class: Bonds
Geographical focus: UK
Fund management charge: 0.078%
This is a building block from our default fund, which gives members the option to choose as a self select:
Underlying fund (target weight): Ninety One Global Total Return Credit Fund (32%), Lombard Odier TNZ Global IG Corporate (25%), Wellington Global Impact Bond Fund (25%), L&G CCAT Future World GBP Corporate Bond Index Fund (18%)
Asset Class: Bonds
Geographical focus: Global
Fund management charge: 0.24%
Cash based funds
The fund aims to provide returns in line with short-term deposits.
Underlying fund: L&G AR Cash
Asset Class: Cash
Geographical focus: Global
Fund management charge: 0.090%
Not comfortable choosing your own investments?
Automatically invest your money instead using one of our default investment strategies. Check which strategy your workplace pension uses and select it in the Cushon app.
Risk Warnings
When you invest, there are always associated risks that you need to be aware of.
Investment risk: This is the risk that the value of your pension may go down as well as up. As with all investments, you may get back less than you paid in. It’s important to remember that your pension value can go down as well as up, even as you get closer to your Target Age. We will automatically move some of your investments to ones that are considered more cautious as you get closer to your Target Age to help protect the value of your pension from the bigger ups and downs in investment markets. However, we cannot offer any guarantees.
Investment objective risk: This is the risk that the Cushon Sustainable Investment Strategy might not meet its investment objectives which could mean your savings outcomes are not realised. The Cushon Sustainable Investment Strategy has been designed to meet the needs of most of our members, but this doesn't mean that it is suitable for your particular savings goals or that it will meet its objectives. It's important that you review your investments to make sure they align with your future plans.
Financial guidance and advice: Your choice of pension investments can have a big effect on your pot value at retirement. If you are in any doubt about which fund is right for you, you should speak to a financial adviser.
The value of investments can fall as well as rise, and you may get less than the full amount you invest.