{{ ctrl.pot.name }}

{{ ctrl.formattedGoalName() }} - {{ ctrl.pot.target | poundCurrency }} - No target set
None {{ ctrl.pot.timeframe }}yrs
Timeframe
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Starting
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Monthly
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Investment style

What are you saving for?






Add an optional target amount





How many years do you plan to invest for?



The longer the better


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If you’re saving for a home on a short timeframe (3-5 years), you should consider a cash Lifetime ISA. If you’re saving for retirement, your timeframe should take you until at least age 60 to avoid a 25% government penalty.

Our minimum suggested timeframe you should consider for investing is 3 years. For shorter timeframes you should consider keeping your money as cash.

Need help deciding?


Access your money anytime, without exit fees.

Access your money any time, although you should intend to invest for 3 years or more.





How much can you invest?



Minimum starting amount is {{ ctrl.validations.starting.min | poundCurrency }}
Maximum starting amount is {{ ctrl.validations.starting.max | poundCurrency }}
{{ ctrl.validations.monthly.min | poundCurrency }}/mo required for amounts below {{ ctrl.validations.starting.requireMonthlyBelow | poundCurrency }}


Monthly contributions can be changed at any time.

Contributions can come from another Nutmeg pot or they can come straight from your bank account. You can change your monthly contributions at any time.

Before investing, you should consider repaying any debt and make sure you have enough cash on hand to cover 3 months' expenses.


Need help deciding? |
Can I afford to invest?



Choose an investment style for this pot

Fully Managed

Proactively managed portfolio

These portfolios are proactively managed by our experienced investment team. This means they will regularly make strategic adjustments to try and protect against losses and boost returns.

Annual costs and charges

  • 0.75% up to £100k, 0.35% beyond
  • + Average investment fund cost: 0.19%
  • + Average market spread: 0.07%

Smart Alpha

Powered by J.P. Morgan Asset Management

J. P. Morgan Asset Management adapts your portfolio during changing market conditions, while using their in-house research to select securities with the aim of delivering better returns.

Annual costs and charges

  • 0.75% up to £100k, 0.35% beyond
  • + Average investment fund cost: 0.19%
  • + Average market spread: 0.07%

Socially Responsible

With a focus on the environment and society

Our socially responsible portfolios (SRI) are tilted towards companies and bond issuers that have high environmental, social and governance (ESG) standards. Like Fully Managed, these portfolios are proactively managed by our experienced investment team.

Annual costs and charges

  • 0.75% up to £100k, 0.35% beyond
  • + Average investment fund cost: 0.31%
  • + Average market spread: 0.07%

Fixed Allocation

Assets without intervention at a low cost

These portfolios are designed to perform without intervention. By that, we mean we'll keep you invested in assets that match your risk level, and only review those assets once a year to make sure they're still right for you. Beyond that, we'll keep our hands off.

Annual costs and charges

  • 0.45% up to £100k, 0.25% beyond
  • + Average investment fund cost: 0.17%
  • + Average market spread: 0.07%

Questions about returns?

You'll be able to see a projection in a couple of steps to help you decide if you're comfortable with your choice. If not, you can come back and choose another before you confirm.

Make changes to your investment style at any time, although this impacts performance.


Set a risk/reward balance



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{{ ctrl.riskDescription() }}

Low risk/reward
High risk/reward
{{ ctrl.riskPreference.suggestedRiskLevel }}
The preferred risk level for people with your timeframe and risk tolerance.


If you’re saving for a home on a short timeframe (3-5 years), you may want to think about using a lower risk level to reduce your chances of ending up with substantially less than you planned.

You can change your risk level anytime.
Once confirmed, the change will take place at our next twice-weekly investing cycle.


Need help deciding?



Tap any setting to edit


Projection

How we project this portfolio to perform — hover or tap on chart for details

More likely
Less likely
Lowest projected outcome
Contributed

On track for {{ ctrl.pot.target | poundCurrency }} target

We need to know your age before
we can show you a projection

You must be aged 18-39 to open a Lifetime ISA.
After {{ ctrl.pot.timeframe }} 10+ years, assuming {{ ctrl.pot.contributions.starting | poundCurrency }} contributed at start of each tax year
{{ ctrl.getLisaContributionsTitle() }}

{{ ctrl.lisaProjection.contributions | poundCurrency }}

Government bonuses

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50% chance of having at least
Projected value
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5% chance of having less than
Low projected outcome
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How we calculated these figures

It looks like you plan to use the money before age 60. Here's what you need to know:

  • You can use it to purchase your first home, costing less than £450,000
  • You can also use it for terminal illness
  • However, for any other reason before age 60, you’ll pay a 25% government penalty

Remember that forecasts are not a reliable indicator of future performance.

It looks like you plan to use the money after age 60, at which point you can withdraw it freely. Withdrawing before age 60, and not for a first home, usually comes with a penalty

Remember that forecasts are not a reliable indicator of future performance.

Portfolio

What you'll own in this portfolio


List of investments

Ticker Name Percentage
{{ investment.code }} {{ investment.description }} {{ investment.allocation }}
See {{ctrl.restrictDivHeight() ? 'all' : 'less'}}

Historical

Returns of a comparable portfolio over the past 23 years

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Avg. annual return

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Best year, {{hisCtrl.bestYear}}

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Worst year, {{hisCtrl.worstYear}}

{{hisCtrl.worst12MonthPeriod}}

Worst 12 mo. period

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


Why Nutmeg

Read the Lifetime ISA Information Pack

  • Intelligent, diversified portfolio
  • Fully managed by our experienced team for extra peace of mind
  • Nutmeg fee of 0.75% on up to £100k, 0.35% after that
    More about our fee and the other costs of investing
  • Global, multi-asset portfolio crafted by our experienced team
  • Fully-automated rebalancing and dividend reinvestment
  • Nutmeg fee of 0.45% on up to £100k, 0.25% after that
    More about our fee and the other costs of investing
  • Move your money into investments when you’re ready
  • You can choose to invest it all in one go or drip-feed month-by-month
  • No setup fees
  • Brilliant customer support
  • An award-winning, easy-to-use platform
  • Invest in your goals beyond the £20,000 ISA allowance and we'll automatically allocate the excess as taxable general investment funds in the same pot. Learn more
  • Variable interest, currently 0%
  • No management fee on cash pots

What happens next

We’ll switch ‘{{ ctrl.pot.name }}’ to cash
  •  Your funds will remain in your {{ctrl.isLisaAccount() ? 'Lifetime ISA' : 'ISA'}}
  •  Maintain or set up Direct Debit contributions as you wish
  •  This will NOT be a cash ISA — this cash will be held inside your existing {{ctrl.isLisaAccount() ? 'Lifetime ISA' : 'stocks and shares ISA'}}

The change will occur on our next twice-weekly investing cycle

We have to sell your investments and convert them to cash. More


Everything else about your pot will remain the same

Your timeframe, goal, and any contributions you have set up will continue as before.


Variable interest, currently 0% per annum

Cash in this pot earns interest at the current Bank of England (BOE) bank rate less 0.35%. We will provide notice of any changes. If the BOE bank rate is below 0.35%, you won't receive any interest.


Please wait while we process your application...


{{ctrl.isPortfolioZeroAccount() ? 'About the projection' : '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. This projection takes into account the interest payable on the cash placed in your pot, using a rate of 0% per annum (subject to change). However, it does not take into account the effects of inflation or tax.

Projections are never a perfect predictor of future performance, and are intended as an aid to decision making, not as a guarantee. This projection doesn't include any monthly transfers from any of your other Nutmeg pots, but it does include direct debit payments from your bank account outside Nutmeg. It also includes your initial contribution, if it has arrived at this stage.​

The projection includes the effect of Nutmeg fees, investment fund costs, and market spread — personalised according to your planned contributions and chosen investment style — but does not take into account the effects of inflation or tax. It assumes income is reinvested. More About this projection

{{ctrl.isPortfolioZeroAccount() ? 'Your cash pot' : '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. This projection takes into account the interest payable on the cash placed in your pot, using a rate of 0% per annum (subject to change). However, it does not take into account the effects of inflation or tax. Learn more

Before age 60, LISAs can only be used to purchase your first home, and it must be under £450,000. Otherwise, you may incur a 25% government penalty. Learn more

These past performance figures are simulated and are not a reliable indicator of future performance.
  • Your assets are held by State Street, one of the world's largest custodian banks, and Barclays. Nutmeg is authorised and regulated by the Financial Conduct Authority (FCA).

We offer restricted advice, which is limited to recommending a suitable model portfolio from our range.

© 2021 Nutmeg Saving and Investment Limited





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