Life

The lifetime allowance (LTA) can have a big impact on your wealth planning – but it’s a complex topic that takes time to understand. We’re here to help.   

Whether you’re in your twenties and just starting to explore investing or in your fifties and lucky enough to have paid off your mortgage, our life moments map aims to help you understand your financial options at each stage of life. We look at the products available to you, and how you may want to steer your investment goals. 

Netflix, avocado, coffee and brunch – we’ve all heard the clichés blaming Generation Rent’s struggles on their spending habits. Over the years a range of influential voices have come out and declared they’ve found the secret to reversing the decline in home ownership among the young, which has fallen continually over the past 30 years.[1]

The state pension is a valuable source of income for many people in retirement. Throughout your working life it’s important to keep abreast of whether you’ll be eligible and how much you might receive, but it’s not always easy. 

Everyone needs a retirement pot so they can stop working one day. But pensions can be confusing, so here are the simple answers to the top six most-Googled questions about your retirement.

Concerns around the so-called ‘three R words’ – the conflict in Russia, the threat of Recession, and the impact of rising interest Rates – is unsettling for many people. But how should investors react? 

Nutmeg client, James Rogers, shares the family history that led him down the path to choosing to invest in socially responsible portfolios for his pension.  

Getting on the housing ladder is at the top of many first-time buyers’ wish lists for 2022 – but what’s the average deposit needed in your area?

When the Lifetime ISA was introduced in 2017, it was intended to help people put money away for their first home or retirement. If you’ve been using a Lifetime ISA (LISA) to get you onto the property ladder, it could be helpful to know what steps you need to take now that your home purchase is in sight.

Owning your own home – for some it’s a major life goal and picking out pillows, plants and appliances for your potential new home is exciting. But there can be major obstacles in your way; from saving your deposit, finding a property you can afford and going through the purchase process. We spoke to first-time buyers Luke and Mark about their experiences of getting on the housing ladder using a stocks and shares Lifetime ISA, where your contribution is topped up with a 25% government bonus.

Whether it’s changing the way we get around or investing in a more socially responsible way, the impact our day-to-day life has on the planet around us is a focus for many people. Nutmeg recently teamed up with e-bike sharing app, HumanForest, to help people get around London in an environmentally friendly way.  

Capital gains tax (or CGT) is a tax on any profits or gains you make when you sell or dispose of an asset. Be it a painting, an antique, shares or bonds, there are a few rules you should know.