Smart investing with our general investment account

The flexible way to invest your money in a transparent, diversified portfolio.

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With investment, your capital is at risk.

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The Nutmeg GIA
Welcome to the Nutmeg general investment account

Our general investment account is a simple way to invest more of your money. It’s flexible, and there’s no limit to how much you can contribute. Our investment experts will put your money to work for you, so you don’t have to spend valuable time managing it yourself.

The Nutmeg benefits
See the benefits of a Nutmeg general investment account

Everything’s online, so you can manage your investment account whenever you want, wherever you want, with our user-friendly interface. We believe trading in bulk is more effective than trading every day. It allows us to buy and sell everyone’s investments at the same time, which means that we can match buyers and sellers internally and keep costs low.

  • Globally diversified, regularly rebalanced
    A globally diversified portfolio that’s regularly rebalanced could boost your returns while spreading your risk.

  • No hidden fees
    You’ll always know exactly how much you are paying.

  • Expert professional management
    We don’t chase hot stocks or market fads. Instead, we'll choose sensible strategies suited for the long term.

  • Know where you stand
    Keep an eye on your account wherever you are, whenever you want.

  • Easy setup, total

    You can start an account online in just 10 minutes and access your money wherever you are at any time.

  • Value for money
    We generally prefer to use exchange-traded funds (ETFs).

As with all investing, your capital is at risk. A general investment account may not be right for everyone and tax rules may change in the future. If you are unsure if this is the right choice for you, please seek independent financial advice.

How much does it cost?

Choose an investment style to see how much you'd pay

If you invest


Your Nutmeg fee will be


Additional costs of investing

  • Average investment fund costs of 0.21% per annum, paid to fund providers
  • Average effect of market spread of 0.09% per annum

Understanding the costs of investing

Setup and exit fees


Standard withdrawals and account closures are free. If you need an in-specie transfer out, it’s £20

Transaction fees


Trading fees


Your fees will depend on how much you invest and your chosen investment style — use the slider above to see the cost. You can open a Nutmeg general investment account with £5,000, or an initial £500 plus a £100 monthly contribution.

Get started

With investment, your capital is at risk.

Investment portfolios
Two investment styles. One great service.

We offer two investment styles for you to choose from for your general investment account. Both our fully managed and fixed allocation portfolios are diversified across asset classes, countries and sectors.

Fully managed portfolios

Proactively managed by our experienced investment team. We'll regularly make strategic adjustments to try and protect against losses and boost returns.

Nutmeg fee: 0.75% up to 100k, 0.35% after that

Avg. investment fund cost: 0.21%
Avg. effect of market spread: 0.09%

Perfect if you:

Want the peace of mind that your portfolio is being managed by our experienced team.

Want a team of experts working hard to seek opportunities to improve returns and reduce risk, all for a low fee.

Find out more

Fixed allocation portfolios

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.

Nutmeg fee: 0.45% up to 100k, 0.25% after that

Avg. investment fund cost: 0.21%
Avg. effect of market spread: 0.09%

Perfect if you:

Are looking for the greatest diversification at the lowest cost.

Are comfortable holding your investments through the ups and downs of the global markets, without our intervention.

Find out more

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.

Allocation and investments
What we invest in

We believe long-term, intelligent asset allocation is a far better investment approach than trying to pick a single company that may outperform its competitors. Our expert investment team use a broad range of assets to build sophisticated, globally-diversified portfolios.

Use the slider to see a typical portfolio breakdown based on risk

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Portfolio breakdown and investments

Learn more about the investments we use

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

How we buy these assets for you

Once we've determined which assets should go into a portfolio, and in what proportions, we look to invest in them in the most efficient way possible. We generally prefer to use exchange-traded funds (ETFs) because they’re easy to trade, low cost and aim to track the movement of market indices with a high degree of accuracy.

About ETFs

ETFs hold investment assets — like stocks and bonds — and they are widely traded on many stock exchanges. They usually track an index, like the FTSE 100, or the Dow Jones.

Learn more about ETFs

How to set up a Nutmeg GIA
Start investing with Nutmeg in under ten minutes

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.

Get started

With investment, your capital is at risk.

General investing FAQ
More about investing with Nutmeg

More questions? Read our FAQ

Stay in touch

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Tick to receive investment strategy & product updates
This is how we tell you about key investment decisions, share knowledge from our investment experts, and let you know about new Nutmeg products.

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