Top 5 Nutmeg Alternatives UK 2026
Four platforms that give you control, and the one thing you lose when you leave a managed service: someone checking you are on track.
Leaving Nutmeg means you're managing it yourself. See whether your plan actually holds.
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A Practitioner Perspective
Leaving Nutmeg (now J.P. Morgan Personal Investing) for a DIY platform is usually the right call for hands-on investors: the fees alone often justify it. But there is a part of the managed service nobody mentions until it is gone: Nutmeg's projection quietly told you whether you were on track. Your new platform won't. I tested the four platforms worth moving to, and the one tool that keeps answering that question after you leave.
Summary: Top 5 Nutmeg Alternatives in the UK
| Tool | Best For | Pricing | Free Tier | UK-Specific | Rating |
|---|---|---|---|---|---|
| Interactive Investor | Cost-conscious investors who want full control | From £4.99/mo | ✗ | ✓ | ★★★★★ |
| AJ Bell | DIY investors seeking a low-cost platform | From £3.50/mo (YouInvest) / 0.25% (SIPP/ISA) | ✗ | ✓ | ★★★★★ |
| Vanguard | Long-term passive investors focused on low costs | 0.15% platform fee (max £375/yr) | ✗ | ✓ | ★★★★★ |
| Bestinvest | Self-directed investors who want occasional guidance | Free tier / Plus from £4.99/mo | ✓ | ✓ | ★★★★★ |
| Delphina | Keeping the "am I on track?" answer after you go DIY | Free tier / From £9.99/mo | ✓ | ✓ | ★★★★★ |
Nutmeg answered one question DIY platforms won't
Am I on track? Your new platform shows holdings and performance. Delphina keeps answering the question Nutmeg used to, across everything you hold, not just what you moved.
What Makes a Good Nutmeg Alternative for Hands-On Investors
Nutmeg (now J.P. Morgan Personal Investing) is a managed portfolio service. They choose your investments and manage them for you. For investors who want more control, here is what separates the genuinely useful alternatives from the rest.
- Full control over investments: You choose what to invest in, when to buy, and when to sell. No one is making decisions on your behalf without your input
- Transparent pricing: You should understand exactly what you are paying in platform fees and fund charges, without complicated fee structures that erode your returns over time
- Wide investment choice: Access to shares, funds, ETFs, investment trusts, and bonds gives you the flexibility to build the portfolio you want
- Complete financial picture: Your investments are only part of the story. A good alternative should account for your income, debts, spending, and savings alongside your portfolio
- Future-looking projections: Knowing how your investments performed last year is interesting. Knowing whether your wealth will last the next thirty years is what actually matters
The 4 Best Platforms to Move To (Plus the One Tool to Keep After You Leave)
Interactive Investor
Visit Interactive Investor →The UK's number one flat-fee investment platform
Interactive Investor takes a different approach to most investment platforms. Rather than charging a percentage of your portfolio, they charge a flat monthly fee. Over 500,000 investors, the UK's largest flat-fee platform. Strong for self-directed investors who want to keep more of their returns as portfolios grow.
AJ Bell
Visit AJ Bell →Feel good, investing
AJ Bell is one of the UK's largest investment platforms, serving over 720,000 customers. Comprehensive range of investment accounts including ISAs, SIPPs, and dealing accounts. Access to shares, funds, ETFs, investment trusts, and bonds across 24 international markets. Which? Recommended for eight consecutive years.
Vanguard
Visit Vanguard →Low-cost investing for the long term
Vanguard is one of the world's largest investment management companies. Their UK platform offers access to over 85 low-cost funds, including their popular life strategy and target retirement funds. Endorsed by Which? and Boring Money for value and straightforward investing.
Bestinvest
Visit Bestinvest →DIY investing with expert coaching
Bestinvest, part of the Evelyn Partners group, offers a hybrid approach combining DIY investing with free expert coaching. Their platform provides access to thousands of shares and funds, ready-made portfolios built by Evelyn Partners experts, and coaches who can help you understand whether you are on the right track.
The tool to keep: Delphina
Delphina
Try Delphina free →Know where you are. Change where you are going.
Delphina is not a platform, and it is not competing with the four above: pick one of those for the money. Delphina replaces the part of Nutmeg you will actually miss. A managed service quietly watches whether your plan is working; a DIY platform shows you holdings and performance and leaves the rest to you. Delphina connects to whichever platform you choose, alongside your pensions and other accounts, and keeps answering the question Nutmeg used to: are you on track, and what would change the answer.
See where you actually stand, free
Track your net worth, assets and a five-year forecast built on your real position, not a guess. Free plan, no card.
See where I standWhat You Gain, and the One Thing You Lose
Going DIY gets you control and lower fees. That trade is usually worth it, and the platforms above are the right places to make it.
But be honest about what you are giving up. Nutmeg's dashboard did one thing a DIY platform never will: it projected your pot forward and told you whether you were on course. From the day you transfer, nobody is watching that. Your platform will show you performance. It will not tell you whether the performance is enough.
That is the slot Delphina fills. It brings together your new platform, your pensions and the rest, and keeps a running answer to the on-track question, across your whole financial picture, not just the pot you moved.
What Delphina Does Not Do
Delphina is not an investment platform and does not manage your investments. It does not buy or sell securities, rebalance portfolios, or provide personalised financial advice. It is a financial clarity tool that shows you where you stand and helps you understand what to do next.
If you are choosing where your money should live, that decision is above: II, AJ Bell, Vanguard or Bestinvest, depending on your fees and style. Delphina is the tool you add once the transfer is done, so that going DIY doesn't mean flying blind.
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Moved your money? Keep the picture.
Your platform shows performance. Delphina shows whether it adds up to the retirement you want.
See if I'm on track