Smart investing with our general investment account

Maxed your ISA limit? Our general investment account offers a flexible way to get more money in the markets.

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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 offers a simple way to invest more money once you've used up all of your ISA limit for the tax year. 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
    A globally diversified portfolio could boost your returns while spreading your risk.

  • No hidden fees
    You’ll always know exactly how much you're 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 set-up, total
    flexibility

    You can start an account online in just 10 minutes.

  • 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 financial advice.

How much does it cost?

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


If you invest

£25,000

Your Nutmeg fee will be

£/week

There are no additional Nutmeg fees:

£0 Set-up fees
£0 Transaction fees
£0 Trading fees
£0 Exit fees

Additional costs of investing

  • Average investment fund costs, paid to fund providers:
    • Fixed allocation 0.18%
    • Fully managed 0.19%
    • Socially responsible investments 0.33%
  • Average effect of market spread of 0.08% per annum

Understanding the costs of investing

Transferring a part of your investment to another person without converting it to cash is known as an in-specie transfer. If you want to do this with any of your Nutmeg investments, we charge £20 per line of stock.

Your fees will depend on how much you invest and your chosen investment style — use the slider above to see what Nutmeg will charge you. 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.


Three investment styles. One great service.

We offer three investment styles for you to choose from‌. All of our portfolios are diversified across asset classes, countries and sectors.

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


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.


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 10 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

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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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Watch our walk-through video or read our step-by-step process to see how we’re making costs more transparent than ever.

How we trade intelligently to keep your costs down

Exchange traded funds (ETFs) are powerful tools. And to get the most out of them, we’ve built our systems to use advanced technology in every area of our operations.

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