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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.

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.


Nutmeg has been awarded Boring Money 2022 Best For Customer Service


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


Chosen and trusted by our clients for over 10 years

What is a general investment account?

A general investment account 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 general investment account 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.


Expertly designed

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



It’s easy to open a general investment account 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.



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.

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Choose your investment style

All four Nutmeg investment styles are built by experts and use exchange traded funds (more on ETFs here) to diversify across stocks, bonds, industries, even countries. Choose the one that works for you. 

Fully Managed

Proactively managed portfolio.

These portfolios are proactively managed by our experienced investment team. This means they will regularly make strategic adjustments to try and protect against losses and boost returns.

Annual costs and charges

0.75% up to £100k, 0.35% beyond

+Average investment fund cost: 0.21%

+Average market spread: 0.08%

Smart Alpha

Powered by J.P. Morgan Asset Management.

J.P. Morgan Asset Management adapts your portfolio during changing market conditions, while using their in-house research to select securities with the aim of delivering better returns.

Annual costs and charges

0.75% up to £100k, 0.35% beyond

+Average investment fund cost: 0.33%

+Average market spread: 0.08%

Socially Responsible

With a focus on the environment and society.

Our socially responsible portfolios (SRI) are tilted towards companies and bond issuers that have high environmental, social and governance (ESG) standards. As with our Fully Managed style, these portfolios are proactively managed by our investment team.

Annual costs and charges

0.75% up to £100k, 0.35% beyond

+Average investment fund cost: 0.33%

+Average market spread: 0.08%

Fixed Allocation

Assets without intervention at a low cost.

These portfolios are designed to perform without the intervention of our investment team. Your portfolio will be automatically rebalanced to ensure your investments match your risk level, but the assets will only be reviewed once a year to make sure they're still right for you.

Annual costs and charges

0.45% up to £100k, 0.25% beyond

+Average investment fund cost: 0.18%

+Average market spread: 0.08%

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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.

Risk level

Track record

Explore our full 9-year track record for each of our 10 risk-based fully managed portfolios and see how our results compare against our competitors.

This past performance is simulated but based on real market transactions, with all client portfolios represented as a single portfolio for each risk level. 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.

Capital at risk

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

Most people ask us

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.

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