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Smart investing with our General Investment Account .

Our General Investment Account is an easy, flexible way of investing more of your money in the markets on top of your £20,000 ISA allowance. We’ll do the hard work, choosing and building your portfolio, and in a way that works for you.

Open an account

With investment, your capital is at risk. Tax treatment depends on your individual circumstances and may change in the future.

Learn what we mean by risk.

Recognised

Nutmeg has been awarded ETF Express 2023 for Best European Digital Wealth Platform using ETFs

Protected

Client assets are held separately with Barclays and State Street, per regulatory requirements

Trusted

Chosen and trusted by our clients for over 10 years

What is a General Investment Account?

A General Investment Account (GIA) is a simple way of investing more money once you've reached your annual ISA allowance. Unlike an ISA or pension, there are no tax benefits, although you can contribute as much as you wish. Like our ISAs, our experts will create a globally diversified portfolio in a way that works for you.

Tax treatment depends on your individual circumstances and may change in the future.

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Why choose a Nutmeg General Investment Account?

Everything’s online, so you can sign up to a Nutmeg GIA easily and manage your money whenever you like. We use a long-term investment approach, mostly using high quality exchange traded funds (more on ETFs here) for all our portfolios. Flexible, transparent and designed by experts.

1

Expertly designed

Our in-house investment team have built a range of portfolios for our GIA, which are allocated to your chosen risk level and investment style. Our client services team can support you with any questions you might have.

2

Straightforward

It’s easy to open a GIA with us. Simply log into the web or mobile app and start with just £500. We give you the flexibility to make changes to your risk level and investment style as your situation changes.

3

Transparent

You have access to your account at all times, so you can always see how your investments are performing. We will provide you with a breakdown of your investment income. And at Nutmeg, we have no hidden costs or exit fees.

It's always free to speak to one of our experts

Our experienced team are on hand to answer questions or provide free guidance whenever you need it most. 

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Want to get the most from your tax allowances?

Our experts offer restricted financial advice to help you understand what you’re entitled to and help you get the most from your money.

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Have you reached your annual ISA limit?

If you’ve reached your annual ISA allowance but want to continue investing, our experts can help determine if a GIA is right for you.

Book a free call
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Does the recent CGT allowance reduction affect you?

Reductions to the Capital Gains Tax allowance could impact how much tax you owe. Our team can help you understand how these changes might affect you.

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Meet our investment styles

How we manage your investments is up to you. We have six styles, and you choose which one best supports your strategy, personal priorities, and long-term financial goals. 

Not sure? Help me choose

Our fees

We don’t charge you anything to join Nutmeg. The only fee you'll pay is for us to manage your money, plus the cost and market spread of the funds we buy into for you – no hidden surprises.

Your fees will be paid from your pots automatically each month, so there's no extra admin, and you can always check the app to see how much you're paying. 

Check our fees

Past performance and allocation

Below you can see a detailed breakdown of our performance over the past few years. And because we value transparency, we've also detailed how our investments are allocated across countries and assets.

Scroll down the page to see the results. It will update automatically when you change the risk level.Scroll down the page to see the results. It will update automatically when you change the risk level.Scroll down the page to see the results. It will update automatically when you change the risk level.Scroll down the page to see the results. It will update automatically when you change the risk level.
Risk level

Track record

Explore our full 10-year track record for each of our 10 risk-based, Fully managed portfolios and see how our results compare against our competitors.

The past performance shown represents a composite of asset-weighted average returns for Nutmeg client portfolios, net of all fees. A composite return represents the average return of all client accounts for a given risk level on a given day, weighted by assets. Past performance is not a reliable indicator of future performance.

*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.

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Capital at risk

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Tax treatment depends on your individual circumstances and may change in the future.

Most people ask us

A GIA is a simple way to invest more money once you've used up all of your ISA limit for the tax year.  

Unlike an ISA or pension, there are no tax benefits or contribution limits when investing in a general investment account. But like our ISAs, our experts will create a globally diversified portfolio in a way that works for you. 

The Nutmeg GIA is flexible and easy to use. Our investment experts will put your money to work for you, so you don’t have to spend valuable time managing it yourself. 

The only requirements are that you have to be over 18, a UK or EEA resident and have a UK bank account.

We charge an annual management fee calculated on the total value of your portfolio. 

Our fee starts at 0.75% per year and goes as low as 0.25% per year, including VAT where applicable, depending on the amount you invest, and the investment style you choose.  

When we buy the ETFs for you, the providers of these investments charge an underlying fund cost that you'd encounter when buying the investments with any provider. We work hard to keep these fund costs as low as we can in our portfolios, so you can benefit from the best possible net returns. 

In a complex investment universe, we keep things simple by mostly using low-cost, high-quality exchange traded funds (ETFs) to maximise your chances of better long-term returns. 

When you invest with Nutmeg, we construct your portfolio for you, principally using a mix of exchange traded funds — ETFs. These provide an easy way to gain exposure to a pool of investments without having to buy each one individually. They can track a share index, such as the FTSE 100, and they can give you exposure to assets like government and corporate bonds. They can also invest in specific sectors such as precious metals or forestry, which can be difficult for individual investors to access.

You can start a stocks and shares ISA with Nutmeg or transfer existing cash or stocks and shares ISAs to Nutmeg.  

There are two main types of ISA, a cash ISA and a stocks and shares ISA. Nutmeg offers only stocks and shares ISAs. An individual can only contribute money to one stocks and shares ISA and one cash ISA in each tax year. 

Yes. You can start a Nutmeg personal pension with just £500 and transfer in your personal pensions from other providers, so you can have all your investments in one easy-to-use online account. Log in whenever you want to see where your pension pot is invested and how it’s performing.

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