A general investment account 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 general investment account 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.