这家公司由CEO Nick Hungerford和CTO William Todd领导，主要投资于ETF基金。Nutmeg客户资金不得低于1000英镑，管理费用0.95%起。
2.Money on Toast
Money on Toast通过一个智能算法，收集金融顾问的专业知识，并编写了“在线投资旅程”的程序。该智能算法捕获许多不同专家的观点和发言。该公司宣称，他们的技术和谷歌取代黄页的技术非常类似——“就像谷歌可以取代黄页一样，新技术允许算法像人类顾问一样工作，有时甚至效果更好。”
Wealth Horizon是一个提供在线投资建议服务的平台，该平台利用学术理论为不同投资需求的顾客定制投资方案。Wealth Horizon会根据每个顾客提供的信息提供一份“个人建议”。 Wealth Horizon宣称，他们的自动程序只是根据顾客提供的信息限制投资建议的某些内容，而不是给出完整投资建议。它旨在提供匹配顾客风险承受能力和风险容量的方案。
5.Fiver a Day
Fiver a Day提供一周7天24小时可自由访问的无额外费用的资产管理服务，该服务是通过一个根据个人偏好做决策的算法实现的。和Wealth Wizards类似，其通过一个打分系统创建投资者对风险的态度。通过一系列分数不同的问题，加总后计算出不同客户的风险耐受度等级，该等级从1（低）到10（高）共有10级。
Fiver a Day服务只面向英国公民，最初费用为0.25%，即每月300英镑投资收取0.75英镑费用，100英镑每月收取0.25英镑费用。更多费用大约是每年0.34%。加上最初费用，投资者每年大约支付0.82%。
Robo-advisers have been hitting the headlines recently, with the UK's biggest banks set to launch automated, online services designed to provide investment advice. Today, it was reported that RBS is moving to axe staff in favour of robo-advisers in order to cut costs, but what exactly are robo-advisers?
Robo-advisers are online wealth management services which provide automated, algorithm-based portfolio management advice. Doing away with the need for human financial advisers, customers get tailored investment advice based on the personal and financial circumstances.
CBR lists 5 UK robo-advisors changing the wealth management landscape, bringing it into the digital age.
Founded in April 2011, Nutmeg is an online investment management company based in London. As an online discretionary investment management company, Nutmeg makes all investment decisions on behalf of its customers, instead of providing a platform for people to trade on. Nutmeg manages 10 portfolios, each with a different mix of investment assets. Ranging from 'cautious' to 'aggressive', Nutmeg works to create a diversified portfolio for the customer, investing money in different types of assets, countries and industry sectors. In this way it dilutes the risk on investments made.
Led by CEO Nick Hungerford and CTO William Todd, Nutmeg primarily uses ETFs (Exchange-Traded Funds) as the primary vehicle used to invest customer funds. Nutmeg has a minimum investment of ￡1,000 per fund created, with fees starting at 0.95%.
2. Money on Toast
Working via an intelligent algorithm, Money on Toast has collected expert knowledge of financial advisers and programmed an 'online advice journey' based on how they would conduct an appointment with an investor. The intelligent algorithm captures the expertise of many different experts, with the company stating that the new technology is akin to how Google replaced the yellow Pages - 'Just as Google replaced the Yellow Pages, new technology allows an algorithm to perform many of the functions a human adviser could and in some cases, better.'
The free online service guides you through a series of questions designed to assess financial and personal circumstances, with the portfolios on offer spanning unit trusts, OEICS and tracker funds. There is a minimum investment of ￡10,000 per month, or ￡500 per month, with fees at 1.69%.
3. Wealth Horizon
Described as an online advised investment management service, Wealth Horizon uses academic theory to build portfolios tailored to investor requirements. Wealth Horizon will give an investor a 'Personal Recommendation', based on the information provided to the company. The automated process is designed to provide advice of a restricted nature based on restricted information provided by the investor, but is not, Wealth Horizon is quick to assert, a full advisory service. It aims to match investment objectives with an investor's risk tolerance and risk capacity.
Once the decision to invest has been made, the company's investment management team makes decisions to buy and sell investments on your behalf in line with the risk grade you have selected. There is an initial 0.25% fee, which rises to c.0.93% per annum, with a minimum investment fee of ￡1,000.
4. Wealth Wizards
Wealth Wizards have dedicated 6 years to the technology which sits at the core of its online pension advice service. The company uses algorithms to score an investor's profile in order to tailor personal circumstances to suitable solutions. The scoring approach contrasts with the decision-tree approach used by other companies, as these generally result in 'crude' and 'general' results.
Based on academic evidence, the company uses asset allocation of investments - the proportion of your pension pot which is put into different types of investment - as a means of determining the balance of risk vs. reward. The cost of providing advice through Pension Wizard is typically ￡100 per employee per year which includes an Annual Review.
5. Fiver a Day
Offering 24/7 access and discretionary fund management at no extra cost, Fiver a Day deploys an algorithm based on your personal preferences. Like Wealth Wizards, Fiver a Day works on a scoring system in order to establish an investor's attitude to investment risk. Asked a series of questions, each answer produces a score and these are then aggregated to calculate your specific level of tolerance for risk, from 1 (low) to 10 (high).
Aimed at UK residents only, Fiver a Day charges 0.25% of each initial contribution. That works out at, for example, ￡0.75 if you invest ￡300 per month or ￡0.25 if you invest ￡100 per month. Further fees are incurred at a rate of 0.34% per annum - together with the initial fees, investors will look to pay fees c.0.82% per annum.