CUSHON SUSTAINABLE INVESTMENT STRATEGY
Cash lump sum
Access to your savings as and when you need them.
Pension withdraw
Sell all your investments and take everything as cash.
Money in the bank
Untied from investment performance - see exactly what’s left.
Heavy income tax
Anything above your 25% tax-free cash allowance will be taxed.
How this strategy is invested
We gradually move your savings towards typically “lower risk, lower return” cash assets, with the aim of protecting the value of your pension from bigger ups and downs in investment markets as you get closer to taking your pension. We aim to help your pension last longer by investing in a way that can continue growing your money, even after you start accessing it. Your pension investments can still go down as well as up.
You can set your Target Age using the Cushon app. If you don’t select a Target Age, it will automatically be set at 65.
Captial at risk. The value of investments can fall as well as rise, and you may get less than the full amount you invest.
Captial at risk. The value of investments can fall as well as rise, and you may get less than the full amount you invest.
Preparing to take your pension pot
In the 7 years before you begin accessing your pension savings, we will make changes to how your money is invested. This is called the ‘lifestyling phase’.
By telling us now how you think you’ll use your pension, we will change how your money is invested so it’s ready to pay out when you need it.
As well as this option (cash lump sum) , you can also choose between flexible drawdown or an annuity.
If we don’t hear from you, your money will automatically be invested assuming you’ll dip into your pension when you need to, known as flexible drawdown.
Other ‘lifestyling phase’ options
Let's get you connected with your Pension
...and join our monthly draw to win £500*
Step 1
Simply tap on the button below and download now
We will ONLY use your mobile number to send a link to the Cushon app.
Step 2
Open the Cushon app and tap the 'I have a code' button and enter your unique 6 digit access code.
Other investment options
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.
Sustainable investments
Investment impact
Interview with Veronica Humble
Veronica Humble is Chief Investment Officer at Cushon. Her role is to guide the work of Cushon's investment team, who make day-to-day decisions about where members' pension money is invested.
NatWest Cushon
Investment impact
Putting money where it's fit for the future
Unless you make your own investment decisions, your pension savings will be invested according to our Cushon Sustainable Investment Strategy. This uses many different types of investments, to give your money the opportunity to grow over the long term.
NatWest Cushon
Investment impact
Growing low-carbon veg in the UK
Your pension savings are helping to grow fresh food closer to home, using energy that would otherwise go to waste.
NatWest Cushon
Investment impact
Powering the UK's renewable electricity
Cushon members are helping to finance over 100 sites across the UK that are producing renewable energy now or are set to begin production in the near future. These are mainly made of solar arrays and wind turbines, both onshore and offshore.
NatWest Cushon