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

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
    Nutmeg fee between 0.35% and 0.75%, inc. VAT. Plus avg. investment fund cost of 0.19% and avg. effect of market spread of 0.08%.

  • Expertly managed
    Fully managed Pension portfolios are proactively managed by our experienced investment team. This means the team will regularly make strategic adjustments to try and protect against losses and boost returns. Note that our fixed allocation portfolios aren't available for pensions.

  • 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.

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.

What are your pension fees?

One low Nutmeg fee of 0.75% up to £100k and 0.35% beyond. Plus avg. investment fund cost of 0.19% and avg. effect of market spread of 0.08%. (Our lower-fee fixed allocation portfolios are not available in pensions.) Learn more about fees

Is there a minimum investment?

The minimum investment for a Nutmeg pension is £5,000, 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 £5,000 or more.

What is Nutmeg's track record?

We always publish our portfolio performance after fees and compared to 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.

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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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