Stocks and Shares ISA Advice

Vanguard's LifeStrategy fund series on Vanguard Investor would give you a similar performance to the Nutmeg Fixed Allocation Portfolios at a lower ongoing cost. Vanguard require a minimum of £100 per month on a regular contribution plan but you can stop/start making contributions at any time. I have been a customer of both and the only advantage of going with Nutmeg is that they sometimes offer signup bonuses. Customer service from both is good.

Nutmeg are offering TopCashBack on a £5k initial investment at the moment but you would need to stay with them for 24 months during which time you would pay higher fees. You could always stop contributing to Nutmeg at the end of this tax year and open a new ISA with Vanguard for next tax year then after the 24 months is up ask Vanguard to transfer in the old Nutmeg account. Do a spreadsheet and determine what works best for your contributions.

https://www.topcashback.co.uk/nutmeg-stocks-and-shares/

Or if you don't want the messing around go straight to Vanguard.

Alex.