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Invest in a globally diversified portfolio. Open a stocks and shares ISA.

Straightforward, transparent, and designed by experts.

Choose an investment style that works for you.

With investment, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change in the future.

Learn what we mean by risk.


Nutmeg has been awarded Boring Money Best Buy ISA 2022


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 an ISA?

An ISA, or Individual Savings Account, is a tax-efficient way of investing your money.
In practice this means that you can contribute up to the maximum ISA allowance (currently £20,000) and any growth, returns or interest you earn are tax-free.

At Nutmeg, we offer stocks and shares ISA, Lifetime ISA and Junior ISA, but there are in fact six main types of ISA. This includes cash ISA, Help to Buy ISA and Innovative Finance ISA.

It’s worth noting that investing in a stocks and shares ISA over the long term has the potential to make your money work harder for you than a cash ISA might, though this approach comes with risk. For each tax year, if you don’t use your ISA allowance, it doesn’t roll over to the next. 

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

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Why choose a Nutmeg stocks and shares ISA?

Sign up or transfer to a Nutmeg stocks and shares ISA in minutes and let us do the investing for you. Globally diversified, transparent and designed by experts. We believe in no nonsense investing.


Expertly designed

Our in-house investment team has built a range of portfolios for our stocks and shares ISA suited 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 transfer or open a stocks and shares ISA with us. Simply log into the web or mobile app and start with as little as £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 where your stocks and shares ISA is invested and how it’s performing. 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. Like Fully Managed, these portfolios are proactively managed by our experienced 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 intervention. By that, we mean we'll keep you invested in assets that match your risk level, and only review those assets once a year to make sure they're still right for you. Beyond that, we'll keep our hands off.

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, as well as how our investments are allocated across countries and assets.

Risk level

Track record

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

The past performance shown represents a composite of asset-weighted average returns for Nutmeg client portfolios, net of all fees. A composite return represents the average return of all client accounts for a given risk level on a given day, weighted by assets. 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. ISA rules apply

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Try our ISA calculator

Take a look at how much your ISA account could be worth in 20 years. Select a risk level, enter the value of your current stocks and shares ISA, or the amount you will contribute, and see what Nutmeg could do for you.

See what you will need to achieve your goal

Capital at risk. Projections are never a perfect predictor of future performance, and are intended as an aid to decision making, not as a guarantee. The projection includes the effect of Nutmeg fees, investment fund costs, and market spread — personalised according to your planned contributions — but does not take into account the effects of inflation or tax. It assumes income is reinvested.

Capital at risk. ISA rules apply

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

Most people ask us

If you're a UK tax resident and over 16, for cash ISAs, and 18 for stocks and shares, you may be able to open an ISA. There are different eligibility requirements for certain types of ISA. Parents or legal guardians can open a Junior ISA for children. Learn more about ISA rules.

Having a stocks and shares ISA means you’re investing your money, not just saving it in cash. Whether or not you should have one will depend on what your goals are, how long you’re able to invest your money, and your attitude to risk. Learn more about ISAs at Nutmeg.  

The short answer is that you can have as many ISAs as you want. However, there are rules about how many new ISAs you can open per year, and how you contribute to your ISAs each year. Learn more about ISA allowance.

You can transfer your ISAs whenever you wish. You may want to transfer an ISA in order to reduce the fees you pay, to get a better interest rate, or to increase your chances of potentially higher returns. If you transfer an ISA, always use the new provider’s transfer service – never withdraw the money yourself as it may impact on your annual allowance. Learn more about transferring an ISA.

You can withdraw money from most types of ISA whenever you want. However, certain ISA types, like the Lifetime ISA, have strict HMRC withdrawal rules and penalties. Some providers may even charge you to take money out of your ISA. Learn more about withdrawing from an ISA.

ISAs retain their tax benefits after you die, until they’re closed. An added benefit is that your spouse or civil partner can inherit the value of your ISA as a one-off additional tax-free allowance, regardless of who you leave your ISAs to in your will. Learn more about what happens to an ISA when you die. 

Still not answered your question? Take a look at our ISA FAQs
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