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Robo-Investment Cashback Deals

Robo-Investment Cashback Deals

Invest in funds & get cashback

Updated 25 June 2020

Robo-funds are being heavily advertised. They're far simpler than normal investing but you're tied to a 'portfolio' of funds. We think this is somewhat restrictive. However, sometimes these robo-funds offer cashback via a special link when you invest, which'll get you a head start over 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.

MoneySavingExpert.com'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.

Five need-to-knows

1. 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).
2. Always keep an eye on fees

Because even small fees year after year can eat into your investment.
3. 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.
4. ALWAYS remember that the value of your investments can go down as well as up

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.
5. Don't forget your ISA allowance

If you want to open an ISA, remember that everyone in the UK aged 18+ has a £20,000 ISA allowance for 2020/21. 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's worth reading our beginners' guide to investing to get a broader idea of what's involved.

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Robo-Investment Cashback Deals

Invest in funds & get cashback

Five need-to-knows

1. With robo-investment firms you can't pick your own selection of funds

2. Always keep an eye on fees

3. The bigger the investment, the less cashback will matter

4. ALWAYS remember that the value of your investments can go down as well as up

5. Don't forget your ISA allowance

SPOTTED OUT OF DATE INFO/BROKEN LINKS? EMAIL: BROKENLINK@MONEYSAVINGEXPERT.COM

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