Start a pension
An intelligent pension portfolio that's quick
and easy to set up.
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.
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.
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.
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
-
What is a pension?
Find out about the main different types of pension available in the UK.
A pension scheme is simply a way of saving money now and investing it in order to use as income when you stop working. You can access the money in your pension from age 55. It also has lots of tax advantages compared to other ways of saving for your retirement...
Continue reading -
How do pensions work?
Different types of pension offer different benefits on retirement.
How your pension will work will depend on what kind of pension you have. Do you have a defined contribution or a defined benefit pension...
Continue reading -
How much can I pay into a pension?
Find out how pension contributions work
£40,000 is the maximum amount that can be contributed into your pensions each tax year. This limit is the combined contributions by you, your employer and any tax relief you receive from the government...
Continue reading -
Tax and pensions
Learn about how pensions are taxed, and how you can benefit from tax-free allowances.
A pension is a great way to save and invest your money for the future because you can get tax relief on the payments you make to your pension pot...
Continue reading -
What happens to my pension when I die?
It’s not nice to think about, but it’s good to know what would happen to your pension if you died unexpectedly.
It’s never a nice subject to talk about, but it is useful to know what happens to your pension in the event of your death. If you die before you start withdrawing from your pension, it will usually be paid as a lump sum to your beneficiaries tax-free. This is as long as your pension is under the lifetime allowance limit and you’re under the age of 75 when you die...
Continue reading -
Transfer your pension
You could save time and money by tracking down all your old pensions and consolidating them.
Why should you transfer your pension? These days, we tend to move jobs quite often. Transferring your various pensions to one provider could save you money on fees and also allows you to see all your retirement savings in one place...
Continue reading
More questions? Read our pension FAQ
Stay in touch
Enter your email address below and receive more information about our products.
Related articles
by Lisa Caplan
#Retirement
Tracking down your lost pension pots
According to the Department for Work and Pensions there is £400m in unclaimed pension savings. Could some of this be yours?
by Lisa Caplan
#Retirement
Will your pension be big enough for you to retire at 55?
Waving goodbye to the 9-5 grind to retire at 55 may seem like a pipe dream to many, but early retirement is achievable.
by Lisa Caplan
#Retirement
Pension fees — what should you expect to pay?
Pension fees can differ widely depending on the type of pension, the investments you have and the provider you’re with.
As featured in