The returns shown here are regarded as simulated as they do not represent a single client account or an average of customer returns. The data is calculated using actual Nutmeg trading data from client accounts, using actual trades carried out at market prices, and is based on an account size of £25,000. The returns are calculated after fees, calculated as the weighted average rate paid by Nutmeg clients of 0.82% per year including VAT prior to 01/02/2016, 0.72% between 01/02/2016 and 01/02/2017 and 0.64% thereafter. Dividends have been included on an accrual basis. Source of price data: Bloomberg, Macrobond AB.
How to set up Invest with Nutmeg in under ten minutes
Get a Nutmeg account from the comfort of your home. No paperwork. No clutter.
Tell us a bit about yourself
Choose your goal, timeframe and an amount you’d like to invest. Select a risk level you’re comfortable with and how you’d like us to manage your money.
Choose a portfolio
We’ll show you a projection of the potential returns you might get. You can also see examples of the kind of investments we might use to build your portfolio and their historical returns.
Once we've got all your details, and you've selected your risk level, simply create your account. Then pay in online and we’ll take care of the rest.
You can see an online, jargon-free overview of your investments whenever you like, so you’ll always know exactly how they’re performing and how much you’re paying. Learn more about our fees
If you ever have questions, our friendly team of customer support experts are here to help. Get in touch via built-in secure Nutmail, live chat, or phone to talk to a real person.
With an ISA you don’t pay any Capital Gains Tax on returns from your annual £20,000 allowance, and Pensions are the most tax efficient way to save for your retirement. We also make it easy for you to transfer in old pensions and ISAs so you can have all your investments in one place.
The more you save into your Nutmeg account — whether it be into your ISAs, Nutmeg pension or regular investment portfolio — the lower your fee rate.
How much does it cost?
Choose an investment style to see how much you'd pay
Over the past 20 years, annualised S&P 500 return was 7.68%, while the average stock fund investor saw returns of only 4.89%. This means that the average individual investor in stocks under-performed the market by approximately 2.79% per year largely as a result of behaviour such as trying to time the market or chase returns. Remember, past performance is not a guarantee of future performance.
Source: 2016 Dalbar study of US equity investors. Remember, past performance is not a guarantee of future performance.
Spreading your risk
Here at Nutmeg, we diversify your portfolio across different types of investments and around the globe. Diversification - often described as one of the few 'free lunches' in finance - can reduce risk without compromising your potential return. A diversified portfolio can deliver more than the sum of its parts.
We’ll also take care of the hard stuff like re-balancing to make sure the risk level of your portfolio stays in-line with your goals. Re-balancing is designed to stop the risk of your portfolio creeping up over time, but it can also boost returns.
Putting your wealth to work efficiently
Depending on how much you invest, you could save 0.5% per year compared to the average wealth manager's charges of 1.25% including VAT. (Source: FTMoney Guide Private Client Wealth Management, June 2017. Based on £100k portfolio, for which Nutmeg's management fee would be 0.75% including VAT.) Not to mention we’ll only invest your money in high-quality, low-cost ETFs and not high-cost mutual funds giving you the best chance to keep more of any potential returns.
b. Give us your email address, using the field provided; and
c. Fund your new Nutmeg product by:
i. (in the case of an ISA or GIA) paying a minimum opening deposit of £800, and giving a commitment to make 11 subsequent monthly payments of £100; orii. (in the case of Nutmeg pension) making a minimum investment of £5,000;
When and how the Investment Boost will be paid:
The Investment Boost will be paid on or before 30 April 2019 if (but only if):
a. (In the case of an ISA or GIA) (i) you make the 11 monthly payments you gave a commitment to make when you accepted our offer (see paragraph 4.c.i above); and (ii) each of those payments is made in full and on time; and
b. You do not transfer or withdraw any part of your investment (excluding the investment boost) within 2 years beginning on the date when Nutmeg receives (in the case of an ISA or GIA) your opening deposit or (in the case of a Nutmeg pension) your first investment.
In every case:
a. If you have an active ISA with available ISA allowance, the Investment Boost will (i) be paid into your ISA; (ii) use up part of your ISA allowance; and (iii) be traded in the next investment cycle;
b. Otherwise, the Investment Boost will be paid into your GIA and traded in the next investment cycle.
If you only have a Nutmeg pension, or you have more than one pot, the £200 will be left in 'un-allocated cash' and you will be notified that you have cash waiting for allocation. You can then choose which fund to allocate this cash to.
Nutmeg’s Standard Terms and Conditions, and the additional terms applicable to this offer
This offer, the ISA, GIA and Nutmeg Pension, and transfers and withdrawals, are subject to, and governed by, Nutmeg’s Standard Terms and Conditions and the general law. If there is a conflict between (a) the terms of this offer; and (b) Nutmeg’s Standard Terms and Conditions and the general law, the latter will prevail.
Nutmeg charges management and other fees. The details are available here.
This offer is subject to change, or withdrawal due to unexpected operational constraints.
Nutmeg is authorised and regulated by the Financial Conduct Authority, whose address is 25 The North Colonnade, Canary Wharf, London E14 5HS, www.fca.org.uk. Our firm registration number is 552016. Nutmeg is covered by the Financial Services Compensation Scheme. There is more information about this in our Standard Terms and Conditions.