All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.
What can I invest in a Fidelity SIPP?
When you open a SIPP with Fidelity you get three options:
- Navigator. You can let Fidelity know what matters to you when investing and it’ll give you some things to consider.
- Select 50. You can browse through Fidelity’s expert picks.
- Investment finder. This is a nifty tool that lets you search through the investments available and filter them for what you want.
What assets are available to invest in?
You can invest in shares, funds, exchange-traded funds (ETFs) and investment trusts in a Fidelity pension.
Shares are little slices of a company. It’s like slicing a pie between a load of other people. By buying shares, you’re getting a little slice of that pie. Buying shares makes you a shareholder of the company that you buy into.
Funds are basically a collection of investments. They pool together money from a bunch of different people and A fund manager then invests on your behalf in different things, like shares, bonds or property.
The decisions the fund manager makes depends on the fund objective.
What's a fund objective?
A fund objective is pretty much exactly what it sounds like. All funds have an objective, which is what they’re trying to achieve. This is sometimes determined by the amount of risk you take on when investing in the fund and how much time you plan to invest for. The objective is what helps guide the investment manager to make investment decisions.
Exchange traded funds (ETFs) are a type of fund. They are passive, which means they usually follow a specific index.. They are traded on the stock market like stocks. We have a handy guide if you want to know more.
Investment trusts are another type of fund, this time set up as companies. Like ETFs, they can be bought and sold on the stock market.
Fidelity pension costs
There are a couple of different fees that come with your SIPP, an annual service fee and, if applicable, a share dealing fee.
Annual service fee
Fidelity has a relatively simple fee structure.
|Investment value||Annual charge||Additional information|
|Less than £7,500||0.35%||If you don’t have a regular savings plan, this is £45 per year|
|Between £7,500 and £250,000||0.35%|
|Between £250,000 and £1 million||0.20%|
|More than £1 million||0.20%||The first £1 million costs 0.20%, anything beyond this will have no service fee. The maximum you’ll pay for your investments is £2,000 per year.|
Share dealing charges
When you buy or sell an asset with Fidelity, there’s a charge deducted for the amount. You may also be charged stamp duty on your investments.
|What it’s for||Charge|
|Deals as part of a regular savings plan or for reinvestment of income or a dividend.||£1.50|
|For deals placed online.||£10|
|Stamp duty for UK shares||0.5%|
|Stamp duty for Irish shares||0.1%|
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