Putting it all together

You can get help deciding the right investment strategy and implementing it.

Do it yourself

You can get help deciding the right investment strategy and implementing it.

Costs and service-levels can vary quite widely so it is a good idea to think hard about how much you want to do yourself, and what sort of help would be most useful to you. In essence there are two ways to go, either do it yourself or get some help.

You can decide for yourself what sort of portfolio you want, then choose and buy funds using a platform. There will be both platform fees and fund fees to pay, and there may be transaction costs.

You will need to keep an eye on your funds to check that they are doing well and that the balance of asset types remains right for you. This is more suitable for more confident and experienced investors.

Some platforms offer ready-made portfolios. You select the risk level and they will choose the funds. These may have an extra layer of fees as a management charge. You pay for their professional oversight of the portfolio.

Some investment companies allow you to buy their funds directly although you will still need to choose the funds yourself. The advantage of this approach is that you do not have to pay a platform fee.

The disadvantage is that you will have to monitor each fund separately, and you’ll receive paperwork for each fund. As with a platform you will need to keep an eye on your funds to check that they are doing well and that the balance of asset types remains right for you.

Get some help

A financial advisor will recommend a fund or set of funds for you, based on your circumstances.

They should spend some time with you, discussing and agreeing the right risk strategy for your portfolio. You will usually pay on an hourly basis for their time, and there may be an initial charge for setting up the funds as well. Usually this works best where you have a large amount of money to invest.

The traditional way to build a portfolio was through a stockbroker. This works best when you have sufficient money to buy a selection of shares and bonds. The stockbroker will recommend good buys and, with your agreement, will place the trades for you. There will be a small tax to pay on each share purchase and your stock broker will charge you a commission as well with varying charges per transaction.

Another more traditional long term investment management approach is through a portfolio manager, who makes decisions on your behalf. Known as ‘discretionary management’, the practice involves the manager making investment decisions at their own discretion. The decision-making process requires a lot of experience in the industry alongside relevant credentials such as the Chartered Financial Analyst (CFA) qualification. As a result it can be expensive, often only available to very wealthy clients.


Nutmeg is an online discretionary wealth manager. You will need to sign up and answer a few questions to enable us to suggest an investment portfolio for you.

The specific investment will depend on the amount of investment risk that you are willing to take and the investment style you choose.

You will pay us a percentage from 0.25% to 0.75% incl. VAT of your investments, depending on amount invested, which is less than what you would pay to a traditional wealth manager. Additionally, you will incur the underlying fund costs. Each fund will charge differently, but you should expect to pay around 0.19% on top of our charge. There are no other costs.

Our two investment styles are fully managed and fixed allocation

Fully managed portfolios

An intelligent portfolio built and fully-managed by our experienced investment team.

Fee: 0.75% up to 100k, 0.35% after that.

Perfect if you:

Tick Want the peace of mind that your portfolio is being managed by our experienced team.

Tick Want a team of experts working hard to seek opportunities to improve returns and reduce risk, all for a low fee.

Find out more

Fixed allocation portfolios

An intelligent, packaged portfolio crafted by our team but with no ongoing strategic intervention.

Fee: 0.45% up to 100k, 0.25% after that.

Perfect if you:

Tick Are looking for the greatest diversification at the lowest cost.

Tick Are comfortable holding your investments through the ups and downs of the global markets, without our intervention.

Find out more

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.

Continue reading

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Should I invest? How does investing work? Learn how investing puts your money to work and about compounding and inflation so you can make the right decision about investing.

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What can I invest my money in? FInd out more about the four main types of investments - shares, bonds, property and cash. We describe each, and cover advantages and pitfalls of each.


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