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Robo-investment cashback deals

Invest in funds & get cashback

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Robo-funds are being heavily advertised. They're far simpler than normal investing but you're locked in to invest in a 'portfolio' of funds. We think this is somewhat restrictive. However, right now one of these robo-funds is offering cashback via a special link when you invest, which'll get you a huge head start on other funds.

Without the cashback, they're fighting against other standard investments, and we'd always tell you to look for lower fees and a bigger choice. But as some of this cashback has been equivalent to up to a 10% head start, other products would need to do very well to beat them.'s speciality is not what to invest in – we only look at these as deals, as we can't tell you what is going to be a good or bad investment. So the most important thing to understand is:

We're not saying to go for these funds, we're just saying that if you're going to go for these anyway, then make sure you get the cashback.

Here are five things you need to know:

  • With robo-investment firms you can't pick your own selection of funds. Instead, your money will be invested in a basket of funds selected by the robo-provider and based on your risk profile (the firm will ask you a number of questions when you sign up to assess the level of risk you're willing to take).
  • Always keep an eye on fees. Because even small fees year after year can eat into your investment.
  • The bigger the investment, the less cashback will matter. If you invest more than the minimum needed to receive the cashback, do remember that you'll be more reliant on market movements to boost your returns in relation to the cashback.
  • ALWAYS remember the warning. As with any investments, the value of your funds can go down as well as up, and while it's unlikely, you could lose all your money.
  • The deal below is for both stocks & shares fund ISAs and ordinary investment plans. Remember, everyone in the UK over 18 has a £20,000 ISA allowance for 2017/18. For more options, see our Stocks & Shares ISAs guide. You can only contribute to one stocks & shares ISA each tax year.

If this is the first time you've considered any type of investing, it'll be worth reading our beginners' guide to investing to get a broader idea of what's involved.

Ends Mon. Get £200 cashback if you invest £1,900 for two years


If you're here from the weekly email, note that Nutmeg has extended the deadline to apply for this offer from Sat 24 Mar to Mon 26 Mar.

Until 11.59am on Mon 26 Mar, or when 5,000 people have signed up, new customers to Nutmeg can earn £200 cashback via this Nutmeg* link if they do one of the following:

- Open a stocks & shares ISA and invest a min £800 in month one and then a min £100/mth for 11 months.
- Open a general investment account and invest the same as above.
- Invest a minimum £5,000 into a Nutmeg pension

You'll need to open an account and give your payment details by 11.59am on Mon 26 Mar, then keep your money invested for a minimum of two years from Nutmeg receiving your opening deposit.

The cashback will be paid into your Nutmeg account on or before 30 April 2019 and invested, though you can withdraw it straightaway if you want to. However, you'll need to keep the £1,900 investment for the full 24 months – otherwise Nutmeg will deduct £200 before paying your money back.

You'll be investing in a fully managed portfolio based on the level of risk you're willing to take (Nutmeg will ask you a couple of questions to assess your risk profile).

For anyone investing less than £100k, the total charges will be about 1% (management fees and fund manager charges), meaning if you were to invest the minimum of £1,900 your fees would be around £19.


  • Annual fees: Fully managed portfolio: £0-£100k at 0.75%, £100k+ at 0.35%. Fixed portfolio (for more experienced investors): £0-£100k at 0.45%, £100k+ at 0.25%.
  • Exit fee: None. If funds are withdrawn before 24 months, you won't receive cashback (or it'll be clawed back if you've already received it).
  • Fund manager charges (estimated): 0.19%
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