Nutmeg is the most established robo-adviser in the UK. It currently offers ISAs, JISAs, Lifetime ISAs, SIPPs and general investment accounts. Nutmeg is a discretionary manager, but investors can also access financial advice. Investors start by selecting the account type, how much and how long they want to invest for.They then choose from four different investment styles: fixed allocation, fully managed, Smart Alpha and socially responsible which come with varying fees. There is a minimum investment of £500 for all accounts except LISA and JISA which is £100. There’s no minimum monthly amount. Mobile apps let you keep track of your portfolios on the go. The Fully Managed Portfolio is composed of ETFs, but the asset allocation is actively managed to respond and adapt to market conditions and changing trends.