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Smart investing with our general investment account

Our general investment account is an easy, flexible way of investing more of your money in the markets on top of your £20,000 ISA allowance. We’ll do the hard work, choosing and building your portfolio, and in a way that works for you.

With investment, your capital is at risk.

Regulated

We are authorised and regulated by the Financial Conduct Authority

Protected

Assets are protected by the  Financial Services Compensation Scheme

Trusted

We asked for your feedback and you rated us 'Excellent' on TrustPilot

What is a general investment account?

A general investment account is a simple way of investing more money once you've reached your annual ISA allowance. Unlike an ISA or pension, there are no tax benefits, although you can contribute as much as you wish. Like our ISAs, our experts will create a globally diversified portfolio in a way that works for you.

Why choose a Nutmeg general investment account?

Everything’s online, so you can sign up to a Nutmeg general investment account in minutes and manage your money wherever, whenever. Flexible, transparent and designed by experts.

Expertly designed

We don’t chase hot stocks or market fads. Instead, we choose exchange traded funds suited for the long term. Our in-house investment team have built a range of portfolios for our general investment account, which are then allocated as per your chosen investment style.

Simple

It’s easy to open a general investment account with us. Simply log in from any device, starting with as little as £500, and make changes to your risk profile and investment style whenever you choose. We’ll do the heavy lifting and leave you to focus on the important stuff.

Transparent

Not only do you have 24/7 access to your account, we’ll let you know how your investments are performing and provide a detailed breakdown of your investment income. But that’s not all. We’ll make sure our customer support is on-hand to field any questions you have.

Choose your investment style

All three Nutmeg investment styles are built by experts and use exchange traded funds (more on ETFs here) to diversify across stocks, bonds, industries, even countries. Choose the one that works for you.

Socially responsible

“I want my investments managed and invested in line with my values”

  • Diversified & regularly rebalanced 
  • Wide range of risk levels 
  • Best in class ETFs across all providers 
  • Proactively managed by experts 
  • Social responsibility focus 

Fully Managed

“I want experts to take a hands-on approach to my investments”

  • Diversified & regularly rebalanced 
  • Wide range of risk levels 
  • Best in class ETFs across all providers 
  • Proactively managed by experts 
  • Social responsibility focus

Fixed Allocation

“I want a diversified portfolio without the cost of frequent management”

  • Diversified & regularly rebalanced 
  • Wide range of risk levels 
  • Best in class ETFs across all providers 
  • Proactively managed by experts 
  • Social responsibility focus 

Past performance and allocation

Below you can see a detailed breakdown of our performance over the past few years. And because we value transparency, we've also detailed how our investments are allocated across countries and assets.

Track record

Explore our full 7-year track record for each of our 10 risk-based fully managed portfolios and see how our results compare against our competitors.

This past performance is simulated but based on real market transactions, with all customer portfolios represented as a single portfolio for each risk level. Past performance is not a reliable indicator of future performance.

*The annualised figure is the return since inception expressed as a compound annual rate. For example, a portfolio with an annualised return of 6% corresponds to an actual return of 19.1% over three years (rather than 18% as you might expect) due to the effect of compounding.

Capital at risk

Most people ask us

A general investment account is a simple way to invest more money once you've used up all of your ISA limit for the tax year.  

Unlike an ISA or pension, there are no tax benefits or contribution limit when investing in a general investment account. But like our ISAs, our experts will create a globally diversified portfolio in a way that works for you. 

The Nutmeg general investment account is flexible and easy to use. Our investment experts will put your money to work for you, so you don’t have to spend valuable time managing it yourself. 

You can. The only requirements are that you have to be a UK resident and over 18. 

We charge an annual management fee calculated on the total value of your portfolio. 

Our fee starts at 0.75%/yr and goes as low as 0.25%/yr, including VAT, depending on the amount you invest, and the investment style you choose: fully-managed, socially responsible or fixed allocation.  

When we buy the ETFs for you, the providers of these investments charge an underlying fund cost that you'd encounter when buying the investments with any provider. We work hard to keep these fund costs as low as we can in our portfolios so you can benefit from the best possible net returns... 

In a complex investment universe, we keep things simple by mostly using low-cost, high-quality exchange-traded funds (ETFs) to maximise your chances of better long-term returns. 

When you invest with Nutmeg, we construct your portfolio for you, principally using a mix of exchange traded funds — ETFs. These provide an easy way to gain exposure to a pool of investments without having to buy each one individually. They can track a share index, such as the FTSE 100, and they can give you exposure to assets like government and corporate bonds. They can also invest in specific sectors such as precious metals or forestry which can be difficult for individual investors to access.

Yes. You can start a stocks and shares ISA with Nutmeg or transfer existing cash or stocks and shares ISAs to Nutmeg.  

There are two main sorts of ISA — a Cash ISA and a Stocks and Shares ISA. Nutmeg offers only Stocks and Shares ISAs. An individual can only contribute money to one Stocks and Shares ISA and one Cash ISA in each tax year. 

Yes, we do. 

You can start a Nutmeg personal pension with just £500 and transfer in your personal pensions from other providers so you can have all your investments in one easy-to-use online account. Log in whenever you want to see where your pension pot is invested and how it’s performing...