Fixed allocation portfolios

Low cost, diversified portfolios with automated rebalancing

Designed to perform without intervention. We’ll keep you invested in assets matching your risk level, only reviewing these assets once a year to make sure they’re still right for you. Beyond that, we keep our hands off.

Start here

With investment, your capital is at risk.

mobile devices showing interface



Icon investments green 2x

Diversified

Global, multi-asset portfolios crafted by our experienced team.

Icon automated green 2x

Automated

Fully-automated rebalancing and dividend reinvestment.

Icon thumbs up green 2x

Low cost

Nutmeg management fee of 0.45% up to £100k and 0.25% thereafter


Try it out

Remember, with investment your capital is at risk. The value of your portfolio could go down as well as up and you may get back less than you invest.

Choose a level of risk to see what's in our portfolios

Balanced
low high




Portfolio breakdown and investments

Learn more about the investments we use

The majority of holdings are ETFs that meet European regulatory standards.


Includes holdings in

  • Large and medium-sized companies across all developed and emerging countries

  • Fast-growing small companies in the US, Europe, Japan, and emerging markets

  • Government bonds in the UK with a wide range of maturities

  • Corporate bonds issued by a wide variety of UK and international companies in sterling, and high-yielding corporate bonds issued in the US

  • Higher yielding bonds issued by governments from developing countries

And exposure to

  • Stock markets across 46 countries in the developed and developing markets covering 99.8% of the world's market

  • Best in class ETFs across all providers

  • Up to 10,000 individual underlying securities

  • A balance between sterling and foreign currencies to help mitigate risk.

  • Fixed income securities from up to 92 countries


With investment, your capital is at risk


How we compare


Typical do-it-yourself platform Nutmeg fixed allocation portfolio
Get started in 10 minutes or less
Automatic rebalancing
Automatic dividend reinvestment
Professionally designed
asset allocation
Best in class fund selection
Management fees Avg. 0.35% platform fee 0.45% up to £100K0.25% thereafter

There are other costs associated with investing, find out more about Investing costs and charges

Source: For fees, Nutmeg-commissioned study by Lang Cat, May 2016.

Explore our track record

We have a full 2 year investment track record. We believe in transparency, through the ups and downs of the market, so you can explore for yourself the returns for each of our 5 risk-based fixed allocation portfolios below.

This past performance is based on Nutmeg customer data.

Past performance is not a reliable indicator of future performance.

Learn more about performance and how it's calculated


 
 
 
 
 

 

Nutmeg monthly returns shown in green. Nutmeg daily returns, shown in grey, to show the relative volatility of the portfolios.

*The annualised figure is the return since inception expressed as a compound annual rate. For example, a portfolio with an annualised return of 6% corresponds to an actual return of 19.1% over three years (rather than 18% as you might expect) due to the effect of compounding.

Common track record questions

When is the data updated?

We update this data shortly after each calendar month.

How are Nutmeg's returns calculated?

The past performance is an average of customer returns based on real Nutmeg customer data. The returns are after Nutmeg management fees – see our fee page for more information. Returns also account for investment fund costs and the effect of market spread, after tax. Dividends have been included on an accrual basis.

How we maximise the power of ETFs


High quality funds

Exchange-traded funds are very popular tools used by a wide range of investors, from institutional investors and hedge funds to pension schemes and private clients. There are over 1800 ETFs listed for sale in the UK, from 24 different providers. For each asset class in our portfolios, we select the fund we believe offers the best mix of performance, quality and value for money and upgrade them when a better one becomes available. This process has brought the average fund cost of our fully managed portfolios from 0.27% to just 0.19% annually over the past three years. Our fixed allocation portfolios have an average fund cost of 0.18% and our socially responsible portfolios have an average fund cost of 0.33%.

Fractional shares

This means that every £1 is put to work as efficiently as £10,000 would be, with each dividend received reinvested across your whole portfolio. Other providers trade ETFs in lots of one share, which with some ETFs costing well above £100 per share makes building a diversified portfolio difficult, even with large portfolios. Our systems, on the other hand, can hold a small fraction of one share, effectively owning pennies in any ETF, which makes global diversification effective at any portfolio size.

Lower prices

In 2017, our in-house dealing team was able to buy investments at a price 0.06% lower or sell at 0.05% higher* on average than the prices quoted on the London Stock Exchange. We make this happen by also dealing directly with specialist ETF 'market makers' across Europe to get the best possible prices. We additionally match deals between clients selling and clients buying, to reduce trading further.

These steps add up over time: in fact, over the past two calendar years we have saved our customers over £1.9M.**


* Based on all trades conducted in 2017, this is the difference between the quoted price on the London Stock Exchange at the exact time of the trade and the price we obtained.
** Based on the cumulative effect of the differences across all trades conducted in 2016 and 2017.

Advice

Nutmeg offers a personal advice service

Recommendations and advice tailored to you, designed by the same expert advisers who deliver it.

Socially responsible investing

Investing shouldn't cost the Earth

Introducing Nutmeg's new socially responsible portfolios