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.
With investment, your capital is at risk.
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.
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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.
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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.
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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
Your Nutmeg fee will be
There are no additional Nutmeg fees:
Additional costs of investing
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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.
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
Portfolio breakdown and investments
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.
General investing FAQ
More about investing with Nutmeg
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What are your fees?
We charge an annual management fee calculated on the total value of your portfolio.
Our fee starts at 0.75%/yr and goes as low as 0.25%/yr, including VAT, depending on the amount you invest, and the investment style you choose: fully-managed or fixed allocation. When we buy investments 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 better net returns...
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What am I investing in?
In a complex investment universe, we keep things simple by mostly using low-cost, high-quality exchange-traded funds (ETFs), for 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.
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Can I start a stocks and shares ISA with Nutmeg?
Yes. 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 sorts 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.
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Does Nutmeg offer pensions?
Yes, we do.
You can start a Nutmeg personal pension with just £5,000 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...
Continue reading
More questions? Read our FAQ
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