{{ 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?











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.





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 }}


You can always contribute more by opening an additional ISA, pension, or general investment account at any time.






Choose an investment style for this pot

Current Investment Style

Fixed
allocation

  • Diversified & regularly rebalanced
  • Wide range of risk levels available
  • Proactively managed by experts
  • Social responsibility focus
Less More

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
  • + Avg. investment fund cost: 0.18%
  • + Avg. market spread: 0.08%

Next, you’ll review and confirm

Current Investment Style

Fully
managed

  • Diversified & regularly rebalanced
  • Wide range of risk levels available
  • Proactively managed by experts
  • Social responsibility focus
Less More

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
  • + Avg. investment fund cost: 0.19%
  • + Avg. market spread: 0.08%

Next, you’ll review and confirm

Current Investment Style

Socially
responsible

  • Diversified & regularly rebalanced
  • Wide range of risk levels available
  • Proactively managed by experts
  • Social responsibility focus
Less More

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
  • + Avg. investment fund cost: 0.33%
  • + Avg. market spread: 0.08%

Next, you’ll review and confirm

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



{{ ctrl.pot.riskLevel }}
{{ 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.





Tap any setting to edit


Projection

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

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Alex chatface
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

{{ ctrl.lisaProjection.bonus | poundCurrency }}

50% chance of having at least
Projected value
{{ ctrl.lisaProjection.average | poundCurrency }}

5% chance of having less than
Low projected outcome
{{ ctrl.lisaProjection.leftTail | poundCurrency }}

How we calculated these figures

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 22 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. They are based upon and calculated using data from between 31 December 1995 until 31 December 2017. They use an investment start date of 31 December 1995.

Learn more about performance and how it's calculated


Why Nutmeg

Read the Lifetime ISA Information Pack


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.


You’ll earn interest

The rate will be the Bank of England Bank Rate less 0.35%. A Nutmeg management fee will be charged. See the current rate



{{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. 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() ? '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. 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. 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. We will not assess your whole financial circumstances or consider all financial products and services that could be suitable.

© 2018 Nutmeg Saving and Investment Limited





Ok, let's get started



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