Fidelity pension

Find out about the Fidelity SIPP, what you can invest in one and how much it costs.

Investment provider Fidelity offers a pension to help you save up for your retirement. The Fidelity pension is a self invested personal pension, which means that you choose what you want to invest in to achieve your goals.

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.
Get more detailed information and learn how to buy shares


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 markets like stocks. We have a handy guide if you want to know more.

Investment trusts

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 valueAnnual chargeAdditional information
Less than £7,5000.35%If you don’t have a regular savings plan, this is £45 per year
Between £7,500 and £250,0000.35%
Between £250,000 and £1 million0.20%
More than £1 million0.20%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 forCharge
Deals as part of a regular savings plan or for reinvestment of income or a dividend.£1.50
For deals placed online. £10
Phone trades£30
Stamp duty for UK shares0.5%
Stamp duty for Irish shares0.1%

Compare pension providers

1 - 7 of 7
Name Product Brand description Min investment Min monthly investment Number of funds Transfer available Offer Link
Interactive Investor SIPP
interactive investor is a flat-fee platform, which makes it cost effective for larger portfolios. Capital at risk.
Open a SIPP and pay no SIPP subscription fee for your first 6 months. Terms apply. Capital at risk.

Capital at risk

Platform details
Freetrade SIPP

Capital at risk

Platform details
Hargreaves Lansdown SIPP
Hargreaves Lansdown is the UK's biggest wealth manager. It's got three different retirement options. Capital at risk.

Capital at risk

Platform details
Penfold SIPP
4 Portfolios
Bonus of up to £1000 for your pension when tranferring to Penfold

Capital at risk

Platform details
Moneyfarm SIPP
Moneyfarm has pensions that are matched against your risk appetite, goals and planned retirement date. Capital at risk.

Capital at risk

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AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.

Capital at risk

Platform details
Saxo Markets SIPP
Saxo Markets gives flexibility and control over your investment strategy. Capital at risk.

Capital at risk

Platform details

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.

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