{{fund.fundName}}

Target: {{(fund.fundTarget | currency: '£' : 0) || 'No target set'}} Edit goal, name and target Edit name
1

Timeframe


About {{ fund.fundTimeframe }} years from now, in {{ fund.yearsFromNow | date : 'MMM yyyy' }} You plan to start drawing income about {{ fund.fundTimeframe }} years from now, in {{ fund.yearsFromNow | date : 'yyyy' }}, when you're {{ pension.retirementAge }}.
We'll assume you're investing for 10+ years.
2

Pay in

Top up or change any time

Minimum is {{ minimumInvestment.lump_sum | currency: '£' : 0 }} lump sum Why?

Minimum starting amount is £500

Starting amount Starting personal contribution
+{{ lumpSumTaxReliefValue() | currency: '£' }}

You'll stay with {{ unallocatedCashLeft | currency: '£' : 0 }} in unallocated This lump sum will be covered entirely by what you already have in unallocated cash. Unallocated cash will cover some of this lump sum, but you'll still need to contribute an additional {{ fundNeedMoreCash | currency: '£' : 0 }}
Pension transfers value (approx)
Monthly
+{{ monthlyTaxReliefValue() | currency: '£' }}

{{ monthlyRules.min | currency: '£' : 0 }}/mo required for sums below {{ monthlyRules.belowLumpSum | currency : '£' : 0 }} Why?


Employer contributions
Cancel

Monthly employer contribution

One-off employer contribution
Add employer contribution
Can I afford to invest?
3

Investment style

Fully managed portfolios

  • Proactively managed by experts
  • Diversified and regularly rebalanced

Fees and charges

0.75% up to 100k, 0.35% beyond
+ Avg. investment fund cost: 0.19%
+ Avg. market spread: 0.07%

Socially responsible portfolios

  • Proactively managed by experts
  • Diversified and regularly rebalanced
  • Social responsibility focus

Fees and charges

0.75% up to 100k, 0.35% beyond
+ Avg. investment fund cost: 0.31%
+ Avg. market spread: 0.07%

Fixed allocation portfolios

  • Diversified and regularly rebalanced

Fees and charges

0.45% up to 100k, 0.25% beyond
+ Avg. investment fund cost: 0.17%
+ Avg. market spread: 0.07%

{{ showSriPension() ? 4 : 3 }}

Risk

You can change this any time
{{ getRiskLevelLabel() || '' }} {{ riskLevelData.description || 'Use the slider to choose a risk level' }}
Low risk
High risk
{{ preferredRiskLevel }} The preferred risk level for people with your timeframe and risk tolerance.

Working...

Let's build your pension.

Choose your settings to tell us how to invest your money.

4

Review your portfolio with risk level {{ fundRiskLevel }}

Projection

How this portfolio is projected to perform by {{ fund.yearsFromNow | date : 'yyyy' }}

These figures are projections for your time frame that assume medium performance and take the effect of a Nutmeg management fee, investment fund costs, the effect of market spread and inflation into account. As such, they show projected amounts in the equivalent of today's monetary value.
Contributions and tax relief, including transfers:
Your pension could be worth, in total:
Which means you could take as a tax-free sum:
And then buy an annuity income worth:
{{ data.contributed_amount | currency: '£' : 0 }}
{{ data.medium_pension_pot | currency: '£' : 0 }}
{{ data.tax_free_lump_sum | currency: '£' : 0 }}
{{ data.annuity_value | currency: '£' : 0 }}/yr

How we project this portfolio to perform

More likely
Less likely
Lowest Projected Outcome
— Contributions only —
How to read this chart +
More likely
Less likely
Contributed

On track
Off track
How to get on track
2 ways to get on track
Hide options

Extend timeframe {{ backOnTrack.extendTimeframe }}

or

Increase Contributions to {{ backOnTrack.increaseContributions | currency: '£' : 0 }} /mo

Your investments may lose value

Projections are never a perfect predictor of future performance, and are intended as an aid to decision-making, not as a guarantee.

The projection includes the effect of fees, assumes income is reinvested and does not take into account the effects of inflation or tax. More about how this projection is calculated »

Projected costs and charges

Portfolio value Portfolio gain after costs and charges Effective annual costs and charges Total cumulative costs and charges
£ £ % £ % £ %
After 12 months
And {{ contributionsForYears(1) | withoutTrailingZeroes : 'currency' : '£' }} contributed 		{{ getNetValue(1) | withoutTrailingZeroes : 'currency' : '£' }} {{ getNetDiff(1) | withoutTrailingZeroes : 'currency' : '£' }} {{ getNetDiffPercent(1) | withoutTrailingZeroes : 'number' }}% {{ getAnnualCosts(1) | withoutTrailingZeroes : 'currency' : '£' }} {{ getAnnualCostsPercent(1) | withoutTrailingZeroes : 'number' }}% {{ getCumulativeCosts(1) | withoutTrailingZeroes : 'currency' : '£' }} {{ getCumulativeCostsPercent(1) | withoutTrailingZeroes : 'number' }}%
After inflation {{ getInflationAdjustedNetValue(1) | withoutTrailingZeroes : 'currency' : '£' }} {{ getInflationAdjustedNetDiff(1) | withoutTrailingZeroes : 'currency' : '£' }} {{ getInflationAdjustedNetDiffPercent(1) | withoutTrailingZeroes : 'number' }}%
After {{ getTimeframe() }} years
And {{ contributionsForYears(getTimeframe()) | withoutTrailingZeroes : 'currency' : '£' }} contributed 		{{ getNetValue(getTimeframe()) | withoutTrailingZeroes : 'currency' : '£' }} {{ getNetDiff(getTimeframe()) | withoutTrailingZeroes : 'currency' : '£' }} {{ getNetDiffPercent(getTimeframe()) | withoutTrailingZeroes : 'number' }}% {{ getAnnualCosts(getTimeframe()) | withoutTrailingZeroes : 'currency' : '£' }} {{ getAnnualCostsPercent(getTimeframe()) | withoutTrailingZeroes : 'number' }}% {{ getCumulativeCosts(getTimeframe()) | withoutTrailingZeroes : 'currency' : '£' }} {{ getCumulativeCostsPercent(getTimeframe()) | withoutTrailingZeroes : 'number' }}%
After inflation {{ getInflationAdjustedNetValue(getTimeframe()) | withoutTrailingZeroes : 'currency' : '£' }} {{ getInflationAdjustedNetDiff(getTimeframe()) | withoutTrailingZeroes : 'currency' : '£' }} {{ getInflationAdjustedNetDiffPercent(getTimeframe()) | withoutTrailingZeroes : 'number' }}%

Your investments may lose value

Projections are never a perfect predictor of future performance, and are intended as an aid to decision-making, not as a guarantee. The projection includes the effect of Nutmeg fees, investment fund costs, and market spread – personalised to your planned contributions.

The Nutmeg fee is 0.75% up to £100k, 0.35% beyond
+ Avg. investment fund cost: 0.19%
+ Avg. effect of market spread: 0.07%

The Nutmeg fee is 0.75% up to £100k, 0.35% beyond
+ Avg. investment fund cost: 0.31%
+ Avg. effect of market spread: 0.07%

Portfolio

Breakdown of this portfolio


View allocation by
Portfolio strategy and volatility

{{ portfolioExplanation.portfolio_strategy }}


About this mix

{{ portfolioExplanation.volatility_description }}

 Investments

What you'll own in this portfolio


Ticker Name Percentage
{{ investment.code }} {{ investment.description }} {{ investment.allocation }}
Historical

Returns of a comparable portfolio over the past {{ totalHistoricalYears }} years



Remember, past performance is no guarantee of future returns and losses over any 12-month period may be greater than losses during any discrete calendar year.


The average annualised return over the past {{ totalHistoricalYears }} years is {{ averageAnnualReturnPercentage }}.

In {{ bestYear }}, the best calendar year over the last {{ totalHistoricalYears }}, the portfolio returned {{ bestYearPercentage }}.

In {{ worstYear }}, the worst calendar year over the last {{ totalHistoricalYears }}, the portfolio returned {{ worstYearPercentage }}. The worst performance of any 12 month period over the last {{ totalHistoricalYears }} years was {{ worst12MonthPeriod }}.

These returns are regarded as simulated and are not a reliable indicator of future performance. They are based upon and calculated using data from between 31 December 1996 until 31 December 2019. They use an investment start date of 31 December 1996.

Learn more about performance and how it's calculated
The Nutmeg personal pension

  • Bring your pensions into one online portfolio
  • Instant tax relief: get a 25% top-up on all net personal monthly contributions, subject to your tax status
  • Seamless contributions via Direct Debit
  • Professional investment management
Read the key features of the Nutmeg Personal Pension (pdf)
The essentials
  • Authorised and regulated by the Financial Conduct Authority (FCA)
  • Your assets are held with one of the world's largest custodians
  • Connections to our website are protected by TLS encryption
  • We offer restricted advice, which is limited to recommending a suitable model portfolio from our range.

© 2020 Nutmeg Saving and Investment Limited, authorised and regulated by the Financial Conduct Authority.
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Nutmeg® is a registered trade mark of Nutmeg Saving and Investment Limited, authorised and regulated by the Financial Conduct Authority, no. 552016, registered in England and Wales, no. 07503666, with a registered office at 5 New Street Square, London, EC4A 3TW.

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