Nutmeg calculations based on data from Bank of England, Bloomberg as at 20/2/15. Money market rates have been used to estimate future interest rates at monthly and yearly intervals up to 10 years ahead.
ISA rates are calculated monthly based on the historic premium of ISA deposit rates (excluding unconditional bonuses) over a money market rate. Lower and higher bands are estimated as a rate 0.75% below and above the expected rate in year two and 1% thereafter. Rates beyond ten years are assumed to equal the ten year rate.
Stocks & shares ISA returns
The projections are based on estimated long-term average returns for a portfolio of equities and government bonds, in different percentages depending on the risk level, using historic volatility of each asset class since 1986.
We have assumed a 1.0% annual management fee, which has been deducted from the projections shown. We also assume income is re-invested. This does not include effects of tax or inflation.
ISA rules apply. Forecasts are not a reliable indicator of future performance. Projected returns are based on past data under conditions of normal variability which may not remain the same in the future. View sources
To join Nutmeg and qualify for the special offer, make sure you start your sign up journey by providing your Avios Travel Reward or British Airways Executive Club membership number at the top of the page.
We will then take you to our regular sign-up process where you start by entering how much you’d like to invest and the level of risk you’d like to take. You can adjust these settings in our portfolio tool until you’re happy to proceed.
Avios is the smart way to turn your everyday spending into extraordinary time out. Every time you buy groceries, fill up the car, book a flight, or shop online you could be collecting Avios to use towards flights, cabin upgrades, car hire or hotels. You can collect Avios through the British Airways Executive Club or The Avios Travel Rewards Programme. Avios are issued and redeemed in accordance with Avios Terms and Conditions.
Nutmeg gives you tools to help yourself, while still making sure knowledgeable, friendly people are there to help when you need them.
Stay informed along the wayWe'll send you regular updates from our investment team, and you can always check your account online, anytime.
Get help from a real personYou can reach us how it suits you — by phone, email, or chat.
Find out more
If you’d like to read more about how we do things and what makes us tick, take a look at the links below. But remember, to qualify for your special fee rate, start your sign-up journey by clicking one of the orange buttons above.
A Stocks and Shares ISA may not be right for everyone and tax rules may change in the future. If you are unsure if an ISA is the right choice for you, please seek independent financial advice.
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Terms and conditions
This offer is applicable to new customers only. New customers are defined as those who have not previously invested with Nutmeg.
This offer cannot be used in conjunction with any other new customer promotion or offer. New customers are eligible to collect further Avios by referring friends to Nutmeg.
In order to validate this offer, the new customer must:
Begin the sign-up process on www.nutmeg.com/avios and provide a valid Avios Travel Reward Programme or British Airways Executive Club membership number.
Create and fund a Nutmeg account with the standard minimum opening deposit of £500, as well as committing to £100 monthly contribution.
Under the terms of this offer, Nutmeg will give 2,500 Avios to a new customer who invests a minimum of £500 with a £100 monthly contribution with Nutmeg.
If a customer withdraws their account balance within 12 months of opening their account, in the event of 5000 Avios being issued, Nutmeg reserves the right to withdraw £50 from the closing balance before returning funds.
Avios may take up to 45 days to reach your Avios Travel Rewards or British Airways Executive Club account from when we receive an initial contribution to Nutmeg.
Only one Avios reward per new customer.
Terms and Conditions apply to Avios redemptions. Reward flights bookings are subject to availability. Avios are issued and redeemed in accordance with Avios terms and conditions and flights may be subject to availability which may be limited or not available on some routes at certain times especially during peak travel periods. The usual taxes, fees and carrier charges apply to Reward Flights.
Nutmeg is the sole arbiter of these rules and any other issue arising under this promotion.
If gaming of the offer is found, Nutmeg reserves the right to cancel this promotion and remove any other promotions from the customer’s account.
An invitation to participate in this offer does not provide assurance that you will be accepted as a customer of Nutmeg.
Our standard terms relating to your use of Nutmeg and your account apply and are not affected in any way by this offer.
This offer is subject to change and Nutmeg reserves the right to withdraw this offer after 5,000 customers have redeemed, or due to unexpected operational constraints which negatively impact the Nutmeg customer experience.
Avios will be applied so long as one of the following options has been fulfilled:
A minimum initial investment of £500 per fund and subsequent minimum monthly deposits of £100 are made or,
An initial investment of over £5,000 per fund has been made.
Should you wish to open a pension, there is a minimum investment of £5,000 specifically for this product.