Should I make voluntary National Insurance contributions?
Is paying £2,700 for a bigger state pension worth it?
Marianna Hunt
Fidelity International
04 December 2025
Ask Fidelity
Important information - please keep in mind that the value of investments can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. Investors should note that the views expressed may no longer be current and may have already been acted upon.
What matters to you, matters to us
Throughout the month, we’ll pick up on your most popular questions and answer them. Depending on the type and complexity of the question, you'll see quick fire FAQ type responses and articles. We'll then bundle these up here for you to read. You can also ask a question of your own on this page. Don't forget to check back to see if it's been picked up. And, please remember that our views aren't personal recommendations.
You asked. We answered.
Here are the most recent questions and answers. If you want to see what you've missed out on, read more of our answers below.
Fund ideas for investors worried about a stock market fall
How to navigate market ups and downs
Richard Evans
Fidelity International
21 November 2025
Does unused pension tax-free cash grow with my investments?
How partial pension withdrawals affect your tax-free cash growth
Marianna Hunt
Fidelity International
20 November 2025
To the point - quick Q&As
In a word, yes. We’re always looking to put our customers first and have been offering interest on cash since July 2022. As interest rates increased, we reviewed what we offered. If you’d like to know more about the current interest rate that we pay on cash held in your account, how your money is protected and where it’s held please visit our ‘How we manage your cash’ page.
This is a big question. There are tax-efficient accounts - such as Individual Savings Accounts (ISA) and Self-Invested Personal Pensions (SIPP), as well as versions for children too with a Junior ISA and Junior SIPP. There are also tax allowances (some of which are linked to these tax-efficient accounts, and some aren’t). If you’d like to know how to invest tax-efficiently, visit our tax allowance section.
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