Investment accounts
Adult accounts
Child accounts
Choosing Fidelity
Choosing Fidelity
Why invest with us Current offers Fees and charges Open an account Transfer investments
Financial advice & support
Fidelity’s Services
Fidelity’s Services
Financial advice Retirement Wealth Management Investor Centre (London) Bereavement
Guidance and tools
Guidance and tools
Choosing investments Choosing accounts ISA calculator Retirement calculators
Share dealing
Choose your shares
Tools and information
Tools and information
Share prices and markets Chart and compare shares Stock market news Shareholder perks
Pensions & retirement
Pensions, tax & tools
Saving for retirement
Approaching / In retirement
Approaching / In retirement
Speak to a specialist Creating a retirement plan Taking tax-free cash Pension drawdown Annuities Investing in retirement Investment Pathways
In this section
Important information - Please keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. Please note that Navigator is not a personal recommendation and does not provide advice that a particular investment is suitable for you. If you need additional help, please speak to a financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.
The road to investing starts here
We all have different tolerances to risk. Whether you’re adventurous or cautious, it’s important to decide how much risk is right for you to achieve your investment goals. Navigator (previously Pathfinder) can provide you with a diversified fund in a few easy steps, based on the level of risk you’re comfortable with and the investment approach you want to follow.
Top funds managed by our experts
Once you make your decision with Navigator, you’ll be investing in a multi-asset fund (a fund made up of a selection of other funds) that is actively managed. This means that the funds don’t track the movement of a stock market index, but rather the manager can invest in a collection of companies that they believe can perform well.
The underlying funds are chosen by the experts in our Multi Asset Team, who have direct access to fund companies and a team of researchers to support their decisions.
Leave it to us
Choosing a Navigator fund offers ease, with the help of a fund manager in your corner.
Keeping you diversified
Navigator funds hold various asset classes and regions to target specific goals and risk tolerances, and to help limit exposure to a single asset or risk.
Automatically rebalanced
Assets grow at different rates, which means your asset allocation may no longer reflect your attitude to risk over time.
Once you have a multi-asset fund with us, our experts proactively keep the fund on track by buying and selling assets to maintain appropriate levels of risk.
Simple and constantly managed
Our experts watch the market for new opportunities. All you need to do is keep an eye on performance and, every now and then, make sure the fund’s risk level is still right for you.
Easy to use
The tool will first ask you what type of fund suits your goals; income or growth. It will then ask the level of involvement you would like from our experts. For some of the options you will also be asked your attitude to risk. If you're unsure of what level of risk you're uncomfortable with, you’ll be able to see considerations to help you assess your risk appetite.
Income funds
These funds produce regular sums of money that can be paid into your bank account or reinvested back in the fund.
If you’d like to invest in ‘income funds’, here’s what to do.
- Open Navigator, then choose the income funds option.
- You’re then asked the level of involvement that you would like from our experts by choosing either ‘cost’ or ‘expert’ focused.
- You will then be presented with funds that match your selections.
- Scroll down until you can see the fees, performance, key documents and fund manager details associated with that fund.
- If you're happy with the fund and its risk level, use the 'Buy this fund' button to begin investing.
Growth funds
These funds cover a wide range of strategies, from funds aiming to generate modest investment returns at a lower level risk, to funds focused on the highest-possible performance, but taking on a higher level of risk.
If you’d like to see results for 'growth funds', here’s what to do.
- Open Navigator, then select the 'Growth funds' tab.
- You’re then asked the level of involvement that you would like from our experts by choosing either ‘cost’ or ‘expert’ focused.
- Choose the level of risk you are comfortable with.
- You will then be presented with funds that match your selections.
- Scroll down until you can see the fees, performance, key documents and fund manager details associated with that fund.
- If you're happy with the fund and its risk level - use the 'Buy this fund' button to begin investing.
Other ways we can help you invest
Easy Invest
Easy Invest offers a fund suggestion if you don't know where to start.
Policies and important information
Accessibility | Conflicts of interest statement | Consumer Duty Target Market | Consumer Duty Value Assessment Statement | Cookie policy | Diversity, Equity & Inclusion | Doing Business with Fidelity | Diversity, Equity & Inclusion Reports | Investing in Fidelity funds | Legal information | Modern slavery | Mutual respect policy | Privacy statement | Remuneration policy | Staying secure | Statutory and Regulatory disclosures | Whistleblowing programme
Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. This website does not contain any personal recommendations for a particular course of action, service or product. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document which contains important information about the fund.
This website is issued by Financial Administration Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA Register number 122169) and registered in England and Wales under company number 1629709 whose registered address is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.