You want a financial plan that goes beyond the investment vehicle. Nutmeg invests. Delphina plans. Here is the difference.
Nutmeg is an investment platform. The platform handles fund selection, asset allocation, rebalancing, and ISA/SIPP administration. The retirement planning question is not what Nutmeg answers directly. Nutmeg gives you a projected pot value at retirement based on your contributions and assumed returns, but it does not tell you whether that pot is enough.
Delphina plans from your daily money through to retirement. The platform gives you a specific date, a gap to close, and a monthly action. It uses UK pension rules, ISA limits, and the State Pension forecast.
Nutmeg's fully managed portfolios handle asset allocation, fund selection, and rebalancing. For UK savers who want to invest without making those decisions themselves, Nutmeg is a credible choice. The platform's fee structure is transparent and the underlying fund selection is solid.
Nutmeg also has a strong Junior ISA product for parents saving for their children's future, and a Lifetime ISA (now closed to new accounts but supported for existing ones) for first-time buyers.
Delphina answers the question Nutmeg does not: "is my pot going to be enough?". A UK saver with £148,000 in pensions, £35,000 in ISAs, and £1,800 a month going into savings gets a specific projection. The platform gives them the date and the gap.
Delphina also plans from your real money. The platform reads your actual spending, knows your pension contributions, and projects forward using your actual savings rate. Nutmeg's projection assumes a savings rate you entered manually.
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will know whether the Nutmeg ISA is on track or whether the gap requires a SIPP top-up. Then the investment decision becomes obvious.