FAQs - Investments

Where is my money going to be invested?

Your money is invested within funds provided by Blackrock and Fidelity. Within the funds you invest through, your money will be spread across over 10,000 individual businesses globally.

Which investment providers does mynestegg use?

The underlying investment funds that your money will be invested in are provided by Blackrock and Fidelity. These businesses manage trillions of pounds on behalf of clients across the globe.

How did mynestegg determine their invesment partners?

We undertook extensive research across the industry before determining the right approach for our clients. We believe that a globally diversified, low cost, passive investment approach will provide you with the best possible chance of remaining suitable and achieving positive investment returns over the medium to long term.

How much money do the mynestegg fund providers manage for investors?

Across Blackrock and Fidelity, they manage over £10 trillion on behalf of their investors. This means that you can have peace of mind that you're investing alongside millions of other people.

What are the fees associated with each of mynestegg's three investment options?

mynestegg offers three different risk profile investments along with a Default pension profile, each of which has a slightly different charging structure. The overall fees for each option are:
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Cautious: 0.17%
Balanced: 0.17%
Adventurous: 0.12%
Default (pension only): 0.23%
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Figures as at 31st May 2024.

What are the three risk profiles offered by mynestegg, and what percentage of each profile is allocated to equities?

At mynestegg, we have simplified the investing experience for our clients and narrowed our offering down to three distinct risk profiles alongside a Default pension profile. The risk profiles are determined by the underlying investments within each fund. The higher risk investments will have more of an exposure towards equities whereas the lower risk investments will have more exposure to fixed interest (bonds and gilts). Across our three risk levels, they have the following equity allocation:
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Cautious: 23% equity allocation
Balanced: 66% equity allocation
Adventurous: 100% equity allocation
Default (pension only): 100% - 40% equity allocation
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Figures as at 31st May 2024.

How have mynestegg's investments performed over the past 5 years, and where can I find more detailed information about their performance?

Here's how our funds did in the past 5 years:
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Cautious: 11.50%
Balanced: 38.10%
Adventurous: 79.00%
Default (pension only): please contact help@mynestegg.com for the performance information
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Figures as at 1st November 2024.

How is my investment return calculated?

We use a calculation called "The Modified Dietz method". This calculates the return on your investment product (pension and/or ISA) over a certain period, adjusting for cash flows (like deposits, transfers or withdrawals). It’s designed to provide a more accurate return by accounting for when these cash flows happen within the period rather than assuming they occur at the start or end.