An easy-to-use, intelligent personal pension

An easy to set up and accessible pension plan. See your pension’s value and how it’s performing — whenever you want.

Ready to start or transfer a pension? Come back on a desktop or tablet.

With investment, your capital is at risk. Pension rules apply.

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Are you saving enough to retire? Try our pension calculator

In a few easy steps our pension contribution calculator will help you work out what you need to contribute to your personal pension. Just enter a few details below and check how much you could have in the future.


To have a private pension provide an annual income of

you may need

a pension pot of

in today's money

which means contributing


Your personal contribution could be less, as you may benefit from a government top up. We've assumed you'll increase your contribution in line with inflation.

How your pension could grow

Nutmeg 2014/2015 Stocks and Shares ISA illustration

See how these figures were derived

Three investment styles. One great service.

We offer three investment styles for you to choose from. All of our portfolios are diversified across asset classes, countries and sectors.

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.

The Nutmeg pension is

  • Easy to use
    All your investments in one place, plus instant 25% government top-up on personal net contributions, subject to tax status.

  • Clear and simple
    Understand exactly what you’re paying at any time. Learn more about our fees here

  • Built by experts
    Choose between any of our investment styles: fully managed, fixed allocation or socially responsible.

  • Online 24/7
    See how your investments are performing and exactly how much you're paying — online, 24/7.

With Nutmeg you also get

  • Easy set-up
    You can start or transfer a pension online quickly and easily with our award-winning service.

  • Value for money
    We generally prefer to use exchange-traded funds (ETFs).

  • No hidden fees
    You'll always know exactly how much you're paying.

  • We’re here for you
    If you ever have a question our support team are available by phone, web chat or email.

  • Income drawdown
    Once you're 55 or over and ready to withdraw from your pension, our support team can help you begin to drawdown if you want to.

With investment, your capital is at risk. Pension rules apply and tax rules may change in future. If you need help with pensions, seek financial advice.

About the Nutmeg pension

How does Nutmeg work?

In a nutshell: we learn about you, choose investments for you, and then — with your contributions — build and manage your pension portfolio on your behalf. Find out more about Nutmeg or read about how we invest.

Is there a minimum investment?

The minimum investment for a Nutmeg pension is £500, which allows us to create a globally diverse mix of investments. To get started you can make a contribution from your bank account or transfer pensions into Nutmeg, provided their total value is £500 or more.

What is Nutmeg's track record?

We always publish our fully managed portfolio performance after fees and compared against our competitors so you can see exactly how we’ve been doing. Please remember that past performance is not a reliable indicator of future performance. See our results

Your assets are held by State Street Corporation, one of the world's largest custodian banks, and Barclays Bank. This means that your money is always kept separate from Nutmeg’s assets. Remember, as with all investing there is risk: the value of your investments can go down as well as up.

Learn more


Start a pension

An intelligent pension portfolio that's quick and easy to set up.

Transfer arrows

Transfer a pension

All your personal pension pots in one fully managed online portfolio.

As with all investing, your capital is at risk. The value of your pension can fall as well as rise and you may get back less than you invest. Eligibility to invest in a pension depends on personal circumstances. Tax rules may change in future. If you need help with pensions, seek financial advice. Note that you can't withdraw money from a personal pension until you're 55.

Pension FAQ
Find out more about pensions and Nutmeg

More questions? Read our pension FAQ

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