Our projected returns are calculated using the same approach as big financial services companies use when they're managing their own money. They take take full account of all charges.

Read more about the risks of investing, try our risk/return explorer or find out about how we calculate projections.

No-one can predict what the stock market is going to do and projections are only based on the balance of probability. This portfolio is classified as high risk/return and you may get back less than you put in. Projections are useful, but they are not reliable indicators of future performance. The "bad case" is not the same as "worst case":

• There is a one in six chance that returns will be better than the good case
• There is a one in six chance that returns will be worse than the bad case

SmarterCare is our free investment risk and performance monitoring service. Its powerful algorithms will check up on your investment every single day and send you an email if any of its alerts are triggered.

It’s completely free to you (we pay for it out of the flat 2.66% pa charge for investing with us) and you can read more about SmarterCare here. But if you'd prefer not to have SmarterCare you can choose to opt out when you set up your account.

The daily review covers five key things:

1. Projected returns: whether other investments in our comparison tables have significantly better projected returns
2. Performance: the recent performance of your investment
3. Target: whether your investment is on track to meet the targets you've specified
4. Risk / return: whether the risk/return profile of your investment has changed because:
   • there is now a significant risk of loss between now and your target date
   • market conditions are unusually volatile
   • the mix of your investment has drifted over time into a different risk / return category
5. Charges: whether other investments in our comparison tables have significantly lower charges

One thing SmarterCare won’t do is send you junk email. There are thresholds on each item to make sure we only alert you if it's really worth it.

SmarterCare uses the same techniques as big financial services companies use to manage their own money, but it does not provide advice and you still make all your own decisions on what to do. We use sophisticated actuarial technology and we're the only people making this sort of powerful service available directly to consumers.

A breakdown of the charges for this investment is below. There are no other charges. You can switch funds, cash in your investment or transfer it to another provider for free at any time.

With our easy to use online account you get everything in one place. No more lost paperwork. No more hassle.

From your account you can do all the standard things you'd expect to be able to do like:

• View your balance and recent transactions
• Pay money in, take money out, change direct debits and switch money between funds
• Update your address, bank and other details

But, because you're with Smarterly, you'll also find thing you might not expect like:

• Up-to-date "good case" vs "bad case" projections of what your investment might be worth in future
• The latest results of our daily SmarterCare review of you investment
• All your documents in one, easy-to-find, place
• Tools to help you if you want to change the target for your investment or change its level of risk/return

And our robust security measures mean you can be confident your money is safe and secure.

These other portfolios in our comparison tables have the same level of risk:

SmarterMix ISA high risk/return

Most likely return: 4.24%
Total charge: 1.03%

Baillie Gifford High Yield Bond B Fund Acc ISA

Most likely return: 3.63%
Total charge: 1.16%

Diversified ISA high risk/return

Most likely return: 3.62%
Total charge: 0.94%

Fidelity Multi Asset Allocator Adv Y Fund Acc ISA

Most likely return: 3.55%
Total charge: 1.04%