How we invest
We offer a quality investment solution, without the cost and complexity you might expect. Our team draws on their expertise and technology in managing globally diversified portfolios tailored to your risk profile and choice of investment style.
With investment, your capital is at risk.
Best Buy ISA 2022
Over £4.5 billion assets under management
Stocks and Shares ISA of the Year 2015 -2019
What we believe
Everyone should have access to experts
Investing is complex. And without the tools – or the time – to research every facet of the financial news, individual investors are putting themselves at a significant disadvantage. Our team of professionals will do the hard work for you.
Investing is about evidence, not instincts
History shows that long-term, intelligent asset allocation is a far better approach than picking a single company that may or may not outperform the pack. We use a broad range of investment assets to build globally diversified portfolios.
Transparency is empowering
Investors are told far too little about how their money is managed.
Our proprietary technology helps you get the best out of your investments, and allows you to see exactly what you’re invested in and how you’re performing – from any device, at any time.
How it works
1
We get to know you
When you sign up, we’ll ask about your personal goals and risk appetite. With that information, we’ll help you to choose a portfolio that’s right for you. There are no exit fees, and you can change your investment style and risk profile at any time.
2
Our experts get to work
We’ll build a globally diversified portfolio, tailored to your goal and risk profile, and invested in exchange traded funds (ETFs). ETFs track a market index and give you exposure to a pool of investments without having to buy each one.
3
We keep you at the centre
We’ll manage your portfolio on an ongoing basis, regularly rebalancing to keep your investments aligned to your long-term objectives. You can choose a portfolio where our experts make strategic adjustments to the mix of investments.
Past performance and asset allocation
Below you can see a detailed breakdown of our performance, as well as an indication of how our investments are allocated across global financial markets.
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.
Choose your investment style
All four Nutmeg investment styles are built by experts and use ETFs to diversify across stocks, bonds, and commodities. 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.
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.
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.
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.
0.45% up to £100k, 0.25% beyond
+Average investment fund cost: 0.18%
+Average market spread: 0.08%
Most people ask us...
What does Nutmeg invest in?
What does Nutmeg invest in?
The list below includes investments we currently use as well as those we may have used in the past:
- Developed Equities
- Emerging Market Equities
- Government Bonds, Developed
- Government Bonds, Emerging
- Corporate Bonds
- Global Equities
For more detailed information, read our dedicated support page.
When does Nutmeg invest?
When does Nutmeg invest?
We typically invest twice a week but the day and/or frequency may change depending on demand and market conditions.
We explain our investment cycle in more detail on our dedicated support page.
What is an ETF?
What is an ETF?
ETFs, or exchange traded funds, are an easy way to gain exposure to a pool of investments without having to buy each underlying asset individually. They typically track a stock market index, asset class, market segment, region, or sector and are referred to as “passive” investments. ETFs are passive funds in that they attempt to track the performance of a market index or pool of investments, where an “active” fund will attempt to beat the index.
Find out more about ETFs by reading our comprehensive ETF guide.
What's the difference between an ETF and a mutual fund?
What's the difference between an ETF and a mutual fund?
Both ETFs and mutual funds are made up of money pooled by many investors so that individual investors gain access to expertise and investments they otherwise would not.
Because ETFs are exchange traded, we can transact in the ETF throughout the day, rather than at one set point each day as in the case of a mutual fund tracker. And because a mutual fund index tracker prices and trades once a day, you will typically not know the price at which you have bought or sold until after the transaction. ETFs trade on recognised stock exchanges, meaning pricing visibility is high, and they can be traded whenever the relevant stock market is open.
The range of ETFs on offer is also much broader than mutual funds. ETFs offer access to many assets that tracker funds do not, and in many other shapes and forms.
