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.

Transfer a pension Start a pension

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


mobile devices showing interface

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

/mo

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

Plus

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

Stay in touch

Enter your email address below and receive more information about our products.


Tick to receive investment strategy & product updates
This is how we tell you about key investment decisions, share knowledge from our investment experts, and let you know about new Nutmeg products.

Related articles

Blog avatar lisa caplanby 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?

Blog avatar lisa caplanby 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.

Blog avatar lisa caplanby 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

London Evening Standard
The Telegraph
City A.M.
The Wall Street Journal