A pension that works for your workforce
Designed to help employees understand what they have and what to do next – with the governance and control employers expect.
Auto enrolment ready, simple to set up
Easy management through our portal
Friendly tech for employees to use
Climate focused
Capital at risk. The value of investments can fall as well as rise, and you may get less than the full amount you invest.
Choose Cushon.
You won't have to choose again.
For Employers
Pain-free admin and effortless employee engagement
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- Fulfil your auto enrolment obligations
- Get set up in minutes
- Support your employees with friendly tech and financial wellbeing know-how
- Access to know-how that builds confidence around personal finances
For Individuals
Lean on our friendly tech
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For too long, pension communications have been gathering dust in cupboards and under beds. Our app and website help you keep on top of your finances.
- View, manage and withdraw money from your pension
- See what you’re projected to get in retirement
- Understand how changes to what’s paid in could affect things
- Easily find and consolidate your existing pensions
For Advisers
Say hello to hassle-free pensions admin
Spend less time on paperwork with our easy-to-use platform.
- Auto-enrolment ready, to meet your clients' pension and payroll needs
- Makes client tasks easy to manage
- Less time wasted on repetitive tasks and onboarding
Getting started with Cushon is easy
CUSHON WORKPLACE PENSION
Friendlier for you. Friendlier for the planet.
Growing low-carbon veg in the UK
Your pension savings are helping to grow fresh food closer to home.
Powering the UK's renewable electricity
Members are helping to finance over 100 sites across the UK.
The average pension pot of an employee in the UK finances 13 tonnes of CO2 per year. Our pension allows you to invest in real-world impact.
- We have already cut our investments' emissions by 78% targeting an 80% reduction by 2030 [¹]
- Addressing key challenges – like low carbon energy and manufacturing, sustainable social housing and protecting habitats and eco-systems
- While naturally prioritising financial returns for you
How our pension performs
Grow your pension pot and tackle climate change. No need to compromise.
Investing in a liveable future doesn't mean compromising on financial returns.
Past performance is no indication of future results. Capital at risk.
(In fact, the opposite may be true.)
It’s been a bumpy ride for everyone these last few years, but our investments have held their own. [²]
Scheme trustees
The Cushon Master Trust is a trustee-governed workplace pension authorised by the Pensions Regulator. It was previously known as the Salvus Master Trust and was launched in 2012.
Darren Agombar
Trustee
Darren is CEO and founder of Connected Asset Management. Before founding Connected Darren co-founded and was Chief Investment Officer of Smart Pension Limited where he has shaped and developed the investment strategy.
Darren has deep financial market experience stretching over 35 years and has held senior roles in banking, trading and investment management in London, Dubai and Tokyo. Darren has additional expertise in behavioural finance and economics and has applied this to coaching market professionals as well as developing quantitative trading models. Darren has a BSc (Hons) Psychology from The Open University.
Paul Watson
Trustee
Paul has a BA in Mathematics and Economics from the University of York and is an accredited professional pension trustee. He joined Capital Cranfield in 2019 after a career in investment consulting and financial services.
Paul is a qualified actuary and has 20 years’ experience as a lead investment consultant, latterly as a Partner within Mercer's investment advisory business.
Katie Blacklock
Trustee
Katie Blacklock has spent her career in financial services, initially as a portfolio manager specialising in Latin American equities and then as a partner at Nevsky Capital, a $7bn UK-based hedge fund manager. She is currently a non-executive director of Edmond de Rothschild, a European Private Bank and Asset Manager and sits on the advisory board of The Prudential Assurance Company's £130bn With Profits Fund.
Katie is a Governor of the Health Foundation and sits on the Investment Committee that oversees the foundation's £1bn endowment.
Roger Mattingly
Chair of Trustees
Roger is the Chair of the Trustees of Cushon Master Trust and a Director at Ross Trustees Services Limited, part of Independence Governance Group.
Roger is an Accredited Professional Trustee of many pension schemes of various shapes and sizes. He has spent his entire career in the pensions industry, is a Past President of the Society of Pension Professionals, sits on the Occupational Pensions Stewardship Council and is a Fellow of the Institute of Directors.
You can trust us
Safe
Cushon is part of WTW. We are authorised and regulated by the Financial Conduct Authority (FCA) and The Pensions Regulator (TPR).
Secure
Privacy and security is our priority. We use the highest levels of encryption and the most robust financial industry standards for securing our app and website.
Fair
We keep our charges transparent and fair. There is a simple %-based cost for investing with Cushon, and no hidden fees.
See your pensions, ISAs and personal savings in one app
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Access jargon-free financial know-how
Make sense of savings and investments with our friendly resources, articles and tools.
Financial know-how
Why and how to transfer your old pension pots to Cushon
This article explains why you might consider bringing your different pension pots together, and how easy it is to do with the Cushon app. (You don’t even need to know where your pots are!)
Cushon Explainer
Financial know-how
Who gets your money if you die?
This article explains what happens to your pension savings after you're gone, and how you can direct the money to the people or places you want to receive it.
Cushon Explainer
Financial know-how
Three ways that pensions are a money multiplier
This article explains the main reasons why saving into a pension can be so rewarding over time.
Cushon Explainer
Financial know-how
How we invest your money over time
This article explains how pension investments work, what your money is invested in, and why the way your money is invested changes over time.
Cushon Explainer
Frequently asked questions
There's no charge for employers.
Members pay an Annual Management Charge or 'AMC'. This is a small percentage starting at 0.69% and depends on the investments they select.
No. We are open to all organisations of all sizes.
If you've just hired your first employee, you'll need a workplace pension to comply with your auto enrolment duties - so we've made it easy to apply.
Most applications only take a few minutes.
If you're short for time, we only need some information about you and your company to save your application in case you need to return to it later.
We need information that you will already know about you and your organisation.
This includes information about you, your organisation, who will be running your workplace pension and when you want it to start.
Very safe.
Cushon Master Trust is authorised and regulated by the Pensions Regulator. Members' savings are legally protected by a trust management. We are chosen by employers across the UK to help their employees confidently save for the future.
Importing employees and contributions into your payroll through the Cushon Employer portal couldn't be easier. We have created a guide to help you understand the supported file formats and the upload process.
You can download the Cushon app on the Apple App Store or the Google Play Store. Alternatively, you can access our member portal.
If you have a pension with us and are logging in the app for the first time, you'll need the unique 6-digit one time access code that has been sent to you in your Welcome Pack.
For your pension account, this is your National Insurance Number.
Forgotten your password? Click here and follow the simple steps to get a new one.
[¹] Reduction in scope 1 and 2 carbon emissions for the growth phase of Cushon's Sustainable Investment Strategy since inception (August 2022), compared to its independently verified 2022 benchmark. The benchmark, which has been verified by independent advisers ISIO, is defined as the weighted average of the carbon footprint of the underlying funds’ benchmark of 118 tCO2e/$m EVIC. For further information, see our Task Force on Climate-Related Financial Disclosures (TCFD) Report.
[²] Cumulative return since inception (August 2022). Source: Mobius Life.
