Over the past 20 years, annualised S&P 500 return was 7.68%, while the average stock fund investor saw returns of only 4.89%. This means that the average individual investor in stocks under-performed the market by 2.79% per year largely as a result of behaviour such as trying to time the market or chase returns.
Source: 2016 Dalbar study of US equity investors. Remember, past performance is not a guarantee of future performance.
Spreading your risk
Here at Nutmeg, we diversify your portfolio across different types of investments and around the globe. Diversification - often described as one of the few 'free lunches' in finance - can reduce risk without compromising your potential return. A diversified portfolio can deliver more than the sum of its parts.
We’ll also take care of the hard stuff like re-balancing to make sure the risk level of your portfolio stays in-line with your goals. Re-balancing is designed to stop the risk of your portfolio creeping up over time, but it can also boost returns.
Putting your wealth to work efficiently
Depending on how much you invest, you could save 0.5% per year compared to the average wealth manager's charges of 1.25% including VAT. (Source: FTMoney Guide Private Client Wealth Management, June 2017. Based on £100k portfolio, for which Nutmeg's management fee would be 0.75% including VAT.) Not to mention we’ll only invest your money in high-quality, low-cost ETFs and not high-cost mutual funds giving you the best chance to keep more of any potential returns.
You can see an online, jargon-free overview of your investments whenever you like, so you’ll always know exactly how they’re performing and how much you’re paying. Learn more about our fees
If you ever have questions, our friendly team of customer support experts are here to help. Get in touch via built-in secure Nutmail, live chat, or phone to talk to a real person.
With an ISA you don’t pay any Capital Gains Tax on returns from your annual £20,000 allowance, and Pensions are the most tax efficient way to save for your retirement. We also make it easy for you to transfer in old pensions and ISAs so you can have all your investments in one place.
The more you save into your Nutmeg account — whether it be into your ISAs, Nutmeg pension or regular investment portfolio — the lower your fee rate.
Great experiences across devices… so you can keep an eye on your investments wherever you are.
No. Investing is a long-term proposition but with Nutmeg, you can withdraw whenever you like and there's no minimum investment period. Bear in mind that Lifetime ISAs and Pensions do have certain withdrawal restrictions.
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. View Nutmeg's portfolio performance
You could replicate our portfolios on your own, but to rebalance and monitor your portfolio could result in high trading charges, not to mention time and hassle. Plus, because we can make trades in bulk across our clients, our costs are even lower.