It is impossible to know if investments are about to fall or about to rise. The best way of managing returns is time. The longer you leave your money invested, the more likely you are to do well. If you are uneasy, you can add a little bit each month. Remember with us your investments are spread across different countries and types of investments.
Is investing right for me?
You must be willing and able to risk losing some money before you invest. You should pay back any expensive loans such as credit cards and make sure you have an emergency fund before you invest. Our online risk test will help you assess if you are willing to take risk, and we will show you what the possible losses and returns are as well.
Can I get my money back easily without any charges?
You can get your money back at any time without any charge. We simply return your money to you. That said, if you think you may need some money soon, you should keep it in cash as investing is not for the short term by which we mean less than five years.
Couldn't I do this myself?
You could replicate our portfolios on your own, but rebalancing and monitoring your portfolio could result in high trading charges, not to mention time and hassle. Plus, because we trade in bulk across our clients, our costs are even lower.
Nutmeg calculations based on data from Bank of England, Bloomberg as at 20/2/15. Money market rates have been used to estimate future interest rates at monthly and yearly intervals up to 10 years ahead.
ISA rates are calculated monthly based on the historic premium of ISA deposit rates (excluding unconditional bonuses) over a money market rate. Lower and higher bands are estimated as a rate 0.75% below and above the expected rate in year two and 1% thereafter. Rates beyond ten years are assumed to equal the ten year rate.
Stocks & shares ISA returns
The projections are based on estimated long-term average returns for a portfolio of equities and government bonds, in different percentages depending on the risk level, using historic volatility of each asset class since 1986.
We have assumed a 1.0% annual management fee, which has been deducted from the projections shown. We also assume income is re-invested. This does not include effects of tax or inflation.
ISA rules apply. Forecasts are not a reliable indicator of future performance. Projected returns are based on past data under conditions of normal variability which may not remain the same in the future. View sources