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Independent, no-nonsense ratings and reviews
Among the best of all so-called ‘robo advisers’ for pension savings if you want to keep things simple. Easy options run users through a simple questionnaire and then build you a ready-made portfolio. The team has also created Socially Responsible Investment options. Everything is straightforward and simple enough to follow.
We score each provider on about 20 different criteria including cost, service, website, functionality, customer feedback and our experience of the service. All overseen by our PhD gonk!
Really easy to use
Pre-packaged investments
The most established 'robo'
Don’t want to take our word for it? We ask existing customers and investors to rate their experience with the company – based on value for money, overall service and the website. We need at least 20 customer reviews before we add anyone to our Best Buys list.
Based on 150 reviews
Very poor customer service. Submitted an online ISA transfer form through Nutmeg for a transfer into Nutmeg. Was told it would take 2-4 weeks. I started chasing after week five with no response from customer services. I started escalating the request for information after week six to finally establish no ISA transfer request had ever been submitted. A mealy mouthed apology just isn't good enough. I will be transferring my existing holding elsewhere. My advice, take your money elsewhere, where there's satisfactory customer service.
24/02/2021
No comment.
13/02/2021
I've been using a financial adviser for years and decided now was the time to invest some spare cash on my own. I used the boring money info and did a bit of other research and having looked at several ESG options plumped for the higher risk Nutmeg fund. The site/app is easy to use and gives you the information you need. So far so good!
12/02/2021
As new to the world of investing I needed information to inform my decisions. The website had everything and more as there's additional options to click on to further advance this. I found the language jargon free and easy to understand though have utilized the "Chat" button when required (really useful). Regular emails keep me up to date with new products and what is going on in the world of investing. I want my investments to reflect my values with regards to the Environment and Sustainability. I found exactly this with Nutmeg and do recommend them to others.
12/02/2021
Very clear and concise website and a great app too The Reviewer is pre-retirement age.
11/02/2021
First time investor. Nutmeg was very easy to set up and the app is great. Recommended! The Reviewer is pre-retirement age.
05/02/2021
Great app. Simple and easy to use. Growth has been great and charges are clear. Financial education is excellent.
30/01/2021
No comment.
30/01/2021
My one "auto" fund. Actually quite impressed and I had a reasonable return in year 1 so far. Not a lot on the mobile app and the website compared to other providers but it hold one of my sustainable funds and has delivered to expectations. Just don't get (or expect) as much advice or insight compared to my other platforms.
29/01/2021
Great easy to use site and great communication also great returns
29/01/2021
Good
12/01/2021
01/01/2021
No comment.
09/11/2020
Easy to use website with lots of information, charts and transparency. Feel reliable and trustworthy.
23/10/2020
If you want something simple and cost effective, with a really easy App and regular updates on markets and performance, this is the ticket. If you’re into a wide range of fund choice and loads of data, probably not so much. Works for me!
23/10/2020
Clean UI and easy to use with clear information and knowledge.
23/10/2020
Have been using this platform for over 5 years - really clear interface, solid investment management and transparent reporting. I have always have a good experience with customer service and have no qualms recommending this platform.
23/10/2020
Good for those who don't want to take care of their own investments.
21/10/2020
Simple to understand and easy to set up. No hassle to regularly monitor performance via the user friendly app. Attitude to risk is periodically re-assessed.
20/10/2020
Great service, good value, my investments are doing well considering the current financial situation
19/10/2020
Easy to set up and use. Regular, clear reports on how the investments are doing. Monthly video updates on how the market is doing.
19/10/2020
Simple to use, easy to set up and check in - 5-STARS from me!
18/10/2020
Simple and easy to use. The mobile app gives you all the capability to need to manage your investments in your pocket.
17/10/2020
Simple, made things clear
16/10/2020
Impressed!
16/10/2020
Simple to understand, easy to manage, lots of interesting information in regular communication.
16/10/2020
I love Nutmeg, its app and website are excellent and their phone people are tremendous, far better than Hargreaves Lansdowne, BUT I can't shake the suspicion that my husband's investments are doing better than mine - same risk - for no good reason I can see, except his gender... Is it possible that algorithms could favour men?
16/10/2020
Generally, very good
16/10/2020
Although I'm not really a self investor in that I don't manage my fund myself, I would highly recommend a Nutmeg fully managed fund. I chose a level 6 medium risk ISA and it's done very well for me. I rode out the storm of the big downturn earlier this year and the ISA has made up all the losses and I'm in very much in credit. I don't notice the fees. Service is excellent and I use the main site and mobile app no problem even though I'm getting on, and not overly computer literate.
16/10/2020
Really like the app but had challenges trying to move a pension to them and gave up in the end
16/10/2020
Straightforward, transparent information and good investment performance.
15/02/2020
Heard about Nutmeg on the Money Saving Expert website and decided to swap my ISA to them, turned out to be a good decision.
15/02/2020
Return on investment has been way higher than any of my other investments, and the fees are very reasonable indeed. Also find the updates on my investment strategy easy to read and informative.
15/02/2020
No comment.
14/02/2020
I'm a bit of a nervous investor, but Nutmeg has been superb. The investment performance excellent - around 8% - and the clarity of information also excellent. Would recommend.
14/02/2020
No comment.
14/02/2020
You can set clear investment goals and your personal risk tolerance. Although an experienced investor, I made an investment to a Nutmeg portfolio three years ago to test their approach. Very pleased so far. Minor issues with the amount of capital gains that are generated each year (i.e. quite a lot of turnover of holdings) but overall performance is impressive.
10/02/2020
As a novice it's been an easy way to start investing. I was encouraged when they ran a few articles a while ago about women and investing, and had always had some women involved in their monthly updates but that has stopped, which is a shame. They now give off that all-male investment firm vibe which I'm keen to avoid, so may have to look elsewhere at a company that is more inclusive of women across their company, not just in the backroom where no-one can see them. Women investors want to hear from other women about investing, not just from men please.
08/02/2020
Informative, concise monthly video updates. Excellent, clear easy to navigate website. Reasonable, transparent charges. Light years away from old style, paternalistic financial advice services I have used in the past.
08/02/2020
No comment.
08/02/2020
I find Nutmeg to be transparent and informative. The occasional check to see if your risk level needs tweaking is reassuring. I don’t recommend companies lightly but I would encourage anyone seeking to invest to look at Nutmeg.
07/02/2020
This is an amazing product. Very good for people who are new to investing and feels like they personally care about each customer :)
07/02/2020
I invested in Nutmeg in 2014 long before the 'B' word. My experience is wholly positive. I'm absolutely delighted with my return. Its not for you if you are thinking short term gain or are of a nervous disposition. At the time of writing this I am up over 25%. I have not made any withdrawal over the period, but my partner has made several. My only observation is that expect it to take a whole week for your funds to hit your bank on withdrawal. One withdrawal of a gain funded a new Skoda... so she's delighted. I am not connected with this company in any other way and live in rural Shropshire.
07/02/2020
Great provider, very clear and reasonable pricing structure. Transparent with a sensible long term approach.
07/02/2020
A user friendly website, good communications, very acceptable rate of return at low costs. Useful information supplied to users. A good product and easily recommended!!
07/02/2020
Good user interface, good communications - always thoughtful and helpful. Clear information on risk etc.
07/02/2020
Easy to use and helpful articles.
07/02/2020
Very easy and transparent. Compared to other fund managers much better visibility on costs and how funds are performing/invested.
07/02/2020
As a beginner to stocks and shares ISAs, I found Nutmeg to be very easy to use. Fill in the online risk assessment and once you're happy with the results, you can begin to invest. I've been using for a year and have had pleasing returns compared to my cash ISAs. They keep you informed with monthly updates explaining what's happening in the markets that will affect your investment. So far, so good.
07/02/2020
As a novice it has been very helpful in explaining what is happening and what options are available. It probably isn't the *highest* performing option available, but their no-nonsense approach means I trust what they are doing and don't feel like things are being obscured. At some point I would like to make the leap to managing the investments more directly and I don't know if Nutmeg is the platform for that, but for a first go with a couple of ISAs on the go it is a great start. The website is intuitive and I have never known it to fail or glitch and I can see they're now branching to IFAs too.
23/01/2020
For a newbie to investing Nutmeg ticked all the boxes for a first experience into investment
23/01/2020
Easy to use and functional. Not enough detail on monthly/yearly performance. Figures show overall performance.
10/01/2020
Signed up through a website link a couple of months ago for free management fees for 12 months and transferred both my £145,000 SIPP and £33,000 Cash ISAs. Very poor online communication and documentation i.e. initial adviser on their chatline used technical jargon which didn’t mean a thing to me and their system wouldn’t accept my pension application and had other problems. Nearly gave up, but eventually was told these problems often due to using an old iPad and was sent a paper form. I haven’t received any (agreed) official hard copies of documents either! Won’t use for drawdown!
03/01/2020
They asked me to invest as one of their customers in their crowdsourcing and I lost all trust in Nutmeg. I spent time signing up, expressing interest and reading up on nutmeg. Logged in on the first day and saw there was ages before the investment closed. So I went away as I had to release some funds to invest, and by the time I was ready they had pulled the investment, days if not weeks early. Basically if you're capital rich and investment experts you got to invest, but if you are novices like me (who Nutmeg are supposed to be there for) you lost out. Their communication has been terrible.
25/06/2019
Good basic platform.
16/02/2019
Introductory offer. Don’t drop in investment
19/12/2018
It's very easy and user friendly. I don't think I can set up a standing order to pay money monthly into the accounts.
19/12/2018
each stock you hold could show whether it is in deficit or profit
19/12/2018
The free cashback! Return on investments
19/12/2018
Transparent pricing. User friendly app. Easy to set up new pots and adjust risk comfort level.
19/12/2018
Like that its easy to use. Would add more products
19/12/2018
Like the simplicity & hands off approach. Would improve performance!!
19/12/2018
Like the simplicity, ease of use and understanding. Would improve costs as they are high compared with Vanguard
19/12/2018
Good customer service and good returns. Would like more rewards for staying with them over long periods.
19/12/2018
No comment
19/12/2018
Like that professionals are creating your portfolio. App could be improved as it is useless
19/12/2018
I opened a Nutmeg ISA on the recommendation of a money saving website, and a supposed 9 month % fees offer which did not materialise. I found the communications from Nutmeg were patronising, and after losing money I withdrew my money to another provider, who is a lot better. I would not recommend Nutmeg from my experience.
05/12/2018
No comment.
04/12/2018
Helpful explanation from the start, online and by phone. Easy to use and understand with regular, clear updates. Good performance too, over the 15 months I have had mine.
10/08/2018
Quite good, but mobile app could have improved functionality.
06/06/2018
no comment
27/03/2018
Trying company out at regular investment project.
30/01/2018
Like their website.
30/01/2018
It's pretty simple to use. I like the grips and modelling tools. It's accessible and not as confusing as many investment sites. I like that I can change things easily. I like their monthly updates in simple language. I feel like they are at least attempting to be transparent and offer something different.
30/01/2018
Easy to use, nicely set out app and website. Decent returns so far.
30/01/2018
I liked the initial introduction and e-mails. Not much information once invested.
30/01/2018
Fair return on my investment. Too early to offer thoughts on improvement.
30/01/2018
Simple, clear website.
30/01/2018
I'm relatively new to their services but pleased with everything so far.
30/01/2018
Very easy, both to set up an account and keep an eye on how things are going. Not the cheapest, but the customer service is good.
30/01/2018
Make charges upfront.
30/01/2018
Easy to use website is good. I'd like to see some graphs on the percentage performance.
30/01/2018
Easy set up, simple to understand and minimal effort required by me.
30/01/2018
Provides data on movements in easy to understand graphs.
30/01/2018
I like how easy it is to set up and how responsive they are. Unfortunately they do not offer specific investment products for US citizens so I will have to move my ISA out.
30/01/2018
Easy to use for people with little knowledge of stocks and shares.
30/01/2018
Fees are too high as balances grow. Will eventually move my accounts away from Nutmeg.
30/01/2018
Ease of access, helpful breakdown of investments and performance chart. Also liked that my portfolio is based on my attitude to risk.
30/01/2018
Website and app very easy to use. It encourages me to invest more.
30/01/2018
Simplicity of service. Relatively low fees. Early returns seem to be good relative to peers.
30/01/2018
Very nice service if you want a simple savings strategy. Love the monthly webcast updates on investment strategy.
30/01/2018
I like how it invests all your money in fractions of shares so it doesn't keep much as cash buffer.
30/01/2018
Takes care of investing for me, robo adviser, a range of portfolios, good website tools. Fees opaque, although I don't get a good feel for performance over time compared to other funds etc, lack of benchmarking.
30/01/2018
Communication. Don't like not being able to see which ETFs in my account are winners or losers.
30/01/2018
Very clear and easy to understand website. Invest and forget type of investment but with regular monthy video updates. Range of products on offer could be better, but are OK for me.
30/01/2018
Good clean and modern website with support for two-factor authentication. The returns this year are good. It would be nice if they had a mobile app.
30/01/2018
Easy to use platform, and ideal for the first time investor unsure of where to place their money. Nice app, nice website.
30/01/2018
Only a single level of security. Returns very good.
30/01/2018
I think the Nutmeg website platform is the best I've used. Very user-friendly. Interactions with staff have always been friendly, quick and effective. They seem to ensure you deal with the same person for a particular issue and the continuity makes things more effective. My only criticism is that with Vanguard offering the same investment model more cheaply, they might lose business.
30/01/2018
Easy to use, decent website and app, good introduction offers. Excellent investment performance so far.
30/01/2018
Everything works well and very easy to navigate.
30/01/2018
Simple to use.
30/01/2018
Ease of use.
30/01/2018
Nice and easy to use. Good updates. Could be made easier to have a few different pockets of money in different risk profiles.
30/01/2018
Simplicity.
30/01/2018
Simple and easy to use, strong investment management.
30/01/2018
No comment
17/12/2017
Would love to see a JISA offered.
26/09/2017
Good products.
26/09/2017
They have a great value proposition. Don't really have to think much about it. The funds perform well, but nowhere near the returns I am getting with Hargreaves Lansdown.
26/09/2017
Simple and easy - and uses classic tracker methodology.
26/09/2017
Had a lot of issues setting up this account and transferring in my ISA from another provider. More investment news would be good
26/09/2017
Simplicity.
26/09/2017
The online user experience is excellent, the platform is slick and fun to use, and the customer service is decent. I was frustrated with fairly low returns though and somewhat expensive fees in relation to the returns I was getting (for the passive investment option).
26/09/2017
Just simple and all the fees upfront.
26/09/2017
Ideal for those not confident in investing in funds themselves. Takes away work of doing so. Spreads risk. I sometimes find the performance details rather opaque compared to fund factsheets on Fidelity as an example. Sometimes gains aren't as large as I might expect and hard to get a handle on why.
26/09/2017
Being new to investing, I like the simplicity and information available not only on the website, but their blog "Nutmegonomics" is also very interesting. It also gives the whole company a very personal feel and whenever I've had questions the online chat facility is very good.
26/09/2017
App is amazing.
26/09/2017
DFM service and digital footprint.
26/09/2017
N/A
26/09/2017
I quite like using this. It's pretty simple. Some stuff is a bit hidden – cannot find any help I need for my tax return. But in general works well.
24/09/2017
Decent service
05/07/2017
Good advertising, easy to use website and app.
04/07/2017
Reputable, historically good performance.
04/07/2017
The simple layout is good.
Z
04/07/2017
Simple to use. Great customer service.
04/07/2017
I like that it's simple. The fees are too high.
04/07/2017
Good customer service.
04/07/2017
Nothing really.
04/07/2017
Simple, clear way to invest. Good detail on funds and investing. Website is a bit plain, could be improved.
04/07/2017
Good all round service. Good website but mobile app could be better.
04/07/2017
Was recommended as one of the best LISAs to get so have only just opened the account.
04/07/2017
it's easy to use.
04/07/2017
I like the simplicity. Clear website and offer. I think the SIPP drawdown product could be improved.
04/07/2017
Value for money with low charges for trading. Great if you want to be a passive investor.
04/07/2017
Its easy to understand and managed for me. Possibly providing other products would improve the service.
04/07/2017
I like the modern interface and the new customer offers.
04/07/2017
I like the ease of use but needs more products.
04/07/2017
Simple, intuitive and very responsive. I love the five min investment updates every month. Just gives the impression of being friendly and accessible. Returns have also been quite acceptable.
04/07/2017
Lovely website and easy to get information on holdings valuations etc. Very modern and clean interface. Better performance information on individual holdings of a portfolio would be good to see.
04/07/2017
Good customer service, easy to understand and easy to use/make changes.
R
04/07/2017
Clear and precise investment strategy. I like it.
04/07/2017
Service fees are small. The website is generally good and the customer service is helpful. The returns on the investment are low. Around 0.5%
04/07/2017
I like everything about this service!
04/07/2017
Most things are clear, they are certainly keen to make sure the customer knows what he or she is saying but not so open about invididual investments in a portfolio. I feel this company is less open than they claim to be. I also believe that their business model is not much different to that of others. Smoke and mirrors!
04/07/2017
Simple to use, fast and user friendly.
M
04/07/2017
Lots of information in personal account. I would like to see a table to see how the ETFs are performing in your personal account so that they show if they are losing or making money as it doesn't have this.
04/07/2017
I almost understand it! Other options seem scary and complicated. I sometimes think I'd like to understand how it works a bit more but if I did wouldn't I choose a more active form of investing?
04/07/2017
Great experience, simple without being patronising. Good quality products. Mobile experience is pretty basic.
04/07/2017
Good communication about markets, would benefit from lower fees.
04/07/2017
Best Buy for ISA and Best Buy for DIY Pension
Nutmeg scored well with customers, however they were a little weaker on service.
Best Buy for Beginner Investors
Nutmeg received strong Boring Money tester scores for novices, as well as good customer ranking for their website.
Best Buy for Sustainable Investors
MSCI rankings make it is easy for Nutmeg investors to swap from mainstream to Socially Responsible portfolios.
Overall the Nutmeg app is very strong on both Android and ioS. Checking the value of your investments and the type of assets you are invested in is clear and easy to use. There is a good balance of additional detail for those who want it, but it doesn’t overwhelm those who will not be interested.
Users are also able add money to an existing “Pot” and socially responsible investment information on your portfolio is included. However, articles are not available.
Account establishment and management is fairly straightforward and everything worked well. Nutmeg sends annual prompts for a check on your goals and targets. This is a rare example of a communication which is relevant and useful – it’s not the usual diet of investment-heavy articles or regulatory-led communications about MiFID etc
Monthly portfolio updates are succinct and helpful.
Stocks and Shares ISA
Junior ISA
Lifetime ISA
Investment Account
Pension
Ethical investments
Chosen for you
Robo advice / ready-made portfolios
We do not currently have sufficient feedback from investors on the drawdown experience to review the service for those in retirement. Please help us by leaving your review.
Nutmeg offer a personal pension account for balances as low as £500. They will assist customers who want to consolidate their pensions and transfer any existing pensions into one account, which can sit alongside an ISA which makes it easier to stay on top of everything.
The fees are the same for a pension as for an ISA and depend on what you choose to fill your pension with. The lowest cost option will be circa 0.7% a year – that’s £7 on a £1,000 pension pot. The highest cost option is nearer 1% all-in every year.
Nutmeg does support flexible drawdown but with a third-party provider. At this stage it all gets a bit more paper-based and you need to send 2 forms by snail mail, a bank statement and then also sign a risk warning letter. After this it can take 3-4 weeks for the funds to arrive in your account.
There are 4 core investment choices to make, from the lowest-cost ‘fixed allocation’ portfolios, to a socially responsible range and also a range of higher-cost portfolios which are more actively monitored and tweaked.
Provider Size: | The largest UK robo-adviser, with over £1.5bn invested |
Minimum amounts: | £500 minimum |
"I currently have my children's Stocks & Shares ISA's with H&L however I am not that savvy with investing so I am thinking of moving it over to Wealth Simple and allowing them to do it for me. Would you recommend this or are there other roboadvisors you would suggest? I am happy to leave the money in long term until they are about 18 so looking at an 'ambitious' risk. I also have the same account with H&L and will potentially swap also."
Funmi, LDN
12/10/2020
Read our replyI currently have my children's Stocks & Shares ISA's with H&L however I am not that savvy with investing so I am thinking of moving it over to Wealth Simple and allowing them to do it for me. Would you recommend this or are there other roboadvisors you would suggest? I am happy to leave the money in long term until they are about 18 so looking at an 'ambitious' risk. I also have the same account with H&L and will potentially swap also.
Funmi, LDN
12/10/2020
Fidelity has recently announed no fees on Junior ISAs - they also have ready-made investment options. If you want to keep it super simple I would look at Nutmeg, Wealthify or Wealthsimple - you can read more about them on our Best Buys pages.
"Hi, I'm trying to choose an 80/20 low cost tracker fund to transfer my pension to, as I'm currently paying 1% fees to my provider which I want to save on. Does the performance of different tracker funds vary a lot (e.g. between PensionBee, Nutmeg, AJ Bell) and how do I compare their track records? Many thanks, Vivienne"
Vivienne, London
22/07/2020
Read our replyHi, I'm trying to choose an 80/20 low cost tracker fund to transfer my pension to, as I'm currently paying 1% fees to my provider which I want to save on. Does the performance of different tracker funds vary a lot (e.g. between PensionBee, Nutmeg, AJ Bell) and how do I compare their track records? Many thanks, Vivienne
Vivienne, London
22/07/2020
Hi Vivienne,
Thanks for your question. The short answer to your first question about PensionBee, Nutmeg, & AJ Bell Youinvest - is yes, the performance between the various investment solutions you name does vary quite a lot.
In theory the very definition of a tracker fund is that it mirrors an index. So for retail investors, anything tracking the FTSE 100 for example will basically return you the same. That's the theory.
In reality, the sorts of options you mention will typically offer about five choices, which will differ in volatility and the percentage of shares in the portfolios. However, one provider's most volatile portfolio might have 95% of shares in it for example, while another provider's might have 80%. So it can be very difficult to compare like with like.
The other thing is that even if you compare two investment portfolios which both have 80% in shares, the underlying geographies will probably be different. We've seen examples over the last few years where groups have taken very different positions on US equities and have consequently had very different results.
These sorts of ready made investment options are relatively new in the market and very few have meaningful track records yet. A track record of less than a year is monkey and a dart board kind of stuff. I think you really need to see a track record of five years to evidence skill over luck, and none of these guys really have these long track records.
So, the long answer is that it is very hard to make a decision about these providers on an informed and reliable performance basis.
I would use our Compare pages to help you identify two or three you like the look of, and then visit their sites to see what the precise make up of their 80/20 portfolios is - and go from there.
Additionally, this article which was run in June's Telegraph may be helpful to you.
Good luck and I'm sorry I don't have a more concrete answer!
Holly
We are not regulated to give personal financial advice - This isn’t full-fat regulated financial advice. Boring Money is a publisher and not regulated by the FCA.
This means we can't help with specific personal circumstances or recommend specific investment products. It also basically means that if we say something daft, you have no recourse to come back and complain.
We’re only allowed to give you a steer or share an opinion or tell you the facts - That said, we promise that our answer to you is an independent unbiased perspective with no commercial gain to make. If you need regulated financial advice, you can find a good adviser via sites such as Unbiased & Vouchedfor.
"I'm a 48 year old with minimal pensions. I would like to start a new pension to save for the next 12 years. I've already set up a Stocks & Shares ISA with Nutmeg, so would like to start my pension with another provider. I know little about investments so would like to use a company that has ready made funds based on risk assessment. Which would you recommend?"
Sam, Norfolk
30/05/2019
Read our replyI'm a 48 year old with minimal pensions. I would like to start a new pension to save for the next 12 years. I've already set up a Stocks & Shares ISA with Nutmeg, so would like to start my pension with another provider. I know little about investments so would like to use a company that has ready made funds based on risk assessment. Which would you recommend?
Sam, Norfolk
30/05/2019
My first question is why you want to look to set up a pension elsewhere.
There are benefits in having your ISA and pension managed in the same place.
Nutmeg and most other investment providers will ring fence client money from their account.
So if anything goes wrong, your money is held by what we call a custodian. They are also covered by the Financial Services Compensation Scheme (FSCS), which covers you for up to £85,000 we hold with any one provider, if they get into troubles. So do have a look at that.
If you still want to look elsewhere, not so many of the robo advisers have pensions. You could, if you're worried about security, look to stick with a household name such as Aviva, who will let you buy a DIY pension online from them.
Other options would be to use more of what we call an investment supermarket. Hargreaves Lansdown is the country's biggest. It's a FTSE 100 firm, if you're worried about security. So that might be a good place to look. They can be expensive for much larger accounts, but if you're getting started with the pension and their service is good, then the fees won't be relatively out of line with with the market.
Other places you could look to start a DIY pension, would be AJ Bell Youinvest. Unlike with Nutmeg and Aviva, both of whom offer ready-made pension investment packages, with Hargreaves and AJ Bell Youinvest you will have to pick the investments you actually put into your pension.
If you want the investment equivalent of a ready meal, then have a look at what we call multi asset funds to put inside your pension. Vanguard's Lifestrategy range or BlackRock's Consensus range are two such options.
On balance, if you've got a relatively small amount in your ISAs and are starting off with a pension, I think it sounds like it may make sense just to stick with the provider you're with and the service that you know.
Hope this helps,
Holly
We are not regulated to give personal financial advice - This isn’t full-fat regulated financial advice. Boring Money is a publisher and not regulated by the FCA.
This means we can't help with specific personal circumstances or recommend specific investment products. It also basically means that if we say something daft, you have no recourse to come back and complain.
We’re only allowed to give you a steer or share an opinion or tell you the facts - That said, we promise that our answer to you is an independent unbiased perspective with no commercial gain to make. If you need regulated financial advice, you can find a good adviser via sites such as Unbiased & Vouchedfor.
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