Services
Our accounts
What we offer
I want to...
Guidance & tools
Get started
Get started
Investing basics Are you ready to invest? Choose an account
Funds
Show me a few ideas
Show me expert picks
Show me everything
I want to...
Shares
News & data
Share dealing
Other investments
I want to...
Pensions & retirement
Saving
Planning
Guidance & advice
Markets & insights
Financial planning
Market insights
Market insights
Fidelity market perspectives Investment Outlook Opportunity in uncertain times
News
I want to...
If you're not sure what to invest in, PathFinder helps you choose a fund based on your risk preference.
There are two types of fund which you will be able to invest in with PathFinder, growth funds or income funds.
Below, you can learn how to use the tool for each of the fund types, or you can jump right in using the 'Start PathFinder' button.
How to use PathFinder
For growth funds
If you want to see results for 'growth funds':
- Start PathFinder and select the 'Growth funds' tab.
- Choose the level of risk you are comfortable with. You can use our risk calculator tool if you're not sure what to choose. You'll find the calculator next to the risk options on the next page.
- Enter how much you're thinking of investing. You'll then be shown an estimate of how your money might grow at that level of risk. At this point, you can play around with the risk levels to see more clearly what you're comfortable with.
- Scroll down and you'll be shown a choice between two investments that match your risk level:
An 'Expert Focus' fund
This costs more in fees, but your money will be invested with fund managers who actively manage your investment to find the best opportunities.
A 'Cost Focus' fund
A cheaper option - your money is invested by our in-house experts across more general markets and asset classes.
Once you're happy with the fund on screen - use the 'Buy this fund' button to begin investing.
For income funds
These income funds aim to generate a stable and predictable yield of around 4% to 6%. Please note that this yield is not guaranteed.
If you’d like to invest in income funds, first start PathFinder, then choose the 'Income funds' tab.
You're then presented with three funds:
The Defensive/Cautious Income fund, the Balanced Income fund and the Income & Growth fund.
- Select each fund in turn and a summary will appear underneath it which describes the level of risk involved in investing in it.
- Scroll down further and you can see the fees, performance, and fund manager details associated with that fund.
- Once you're happy with the level of risk, and the fund shown on screen - use the 'Buy this fund' button to begin investing.
Please note that PathFinder 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.
Fidelity Personal Investing does not give advice based on personal circumstances so you are responsible for deciding whether an investment is suitable for you. In doing so, please remember that past performance is not necessarily a guide to future performance, the performance of funds 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. Before investing into a fund, please read the relevant key information document and ‘Doing Business with Fidelity’, a document that incorporates our Client Terms. If you are investing via the Fidelity SIPP and have not yet received a letter from us confirming you have moved to our new system, or are opening a new SIPP today you should read the Fidelity SIPP Key Features Document incorporating the Fidelity SIPP Terms and Conditions. Alternatively, if you open a new SIPP account after 28th February 2019 and are under 53 years old, or if you have already received a letter from us confirming you have been moved to our new system, you should read the Doing Business with Fidelity document incorporating our Client Terms. 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.