Personal pensions made easy

Set up a pension or combine your old pensions into an expertly managed portfolio and take control of your retirement planning

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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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 to suit your pension needs.

We offer three investment styles for your pension. All our portfolios are built by experts and diversified across asset classes, countries and industries.

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

  • Pensions made simple
    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 and looked after 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.

Open a Nutmeg pension in three easy steps

Step 1: Set up

It only takes a few minutes to open a Nutmeg pension or start your pension transfer. Tell us about yourself and we’ll help you choose a portfolio that’s right for you.

Step 2: Start investing

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 existing pensions into Nutmeg, provided they are worth £500 or more.

Step 3: Leave it to us

We'll look after your investments for you. Log in at any time to see how your portfolio is performing. Receive regular updates from our investment team. Please remember that past performance is not a reliable indicator of future performance.

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

A personal pension portfolio that’s quick and easy to set up.

Transfer arrows

Transfer a pension

All your pension pots in one expertly designed 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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