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Choose an investment style that works for you.
Open or transfer your ISA account in minutes.
With investment, your capital is at risk. ISA rules apply.
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An ISA – or Individual Savings Account – is a ‘tax-efficient’ way of investing your own money. In practice, this means any growth, returns or interest you earn on savings up to your ISA allowance (currently £20,000) are tax-free.
It’s worth noting that investing in a stocks and shares ISA over the long term can make your money work harder for you than a cash ISA might, though this approach comes with risk. And remember, if you don’t use your allowance this year it doesn’t roll over to the next. The moral: use it or lose it.
We don’t stop at tax efficiency. 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.
Our in-house investment team have built a range of portfolios, which are then allocated as per your chosen investment style. At Nutmeg, our experts will tackle the difficult decisions on your behalf.
It’s easy to open or transfer a stocks and shares ISA with us. Log in from any device, start with as little as £500, and with 100% cash if you so wish. We charge no exit fees and you can change your investment style and risk profile in the app. Whenever you like.
You have 24/7 access to your account, so you can always see where your stocks and shares ISA is invested and – crucially – how it’s performing. But that’s not all. Our customer support will be on-hand to field any questions you have.
All three 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.
“I want my ISA managed by experts and invested in line with my values”
“I want experts to take a hands-on approach to my ISA investments”
“I want a diversified portfolio without the cost of continuous management”
As with any stocks and shares ISA, there are underlying costs. But rather than burying our fees in the small print, we want to be clear and upfront about what we charge.
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.
Explore our full 7-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 customer 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. ISA rules apply
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 & shares ISA, or the amount you will contribute, and see what Nutmeg could do for you.
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
If you’re over 16 and are a UK tax resident, 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.
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.
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.
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.
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.
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.