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Navigator

Navigator (previously Pathfinder) assists you in making your own investment choice based on features that are important to you, presenting investment suggestions that correspond with your inputs.

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. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to one of Fidelity’s advisers or an authorised financial adviser of your choice.

Our service fee is typically 0.35%, but depending on how much money you hold in your personal accounts, it can be as little as 0.2% and is not charged on investments over £1m.

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Choose an investment approach

Whichever type you choose, 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.

Growth funds
Choose this if your main aim is to grow your money. Whether you are looking for modest returns at a lower risk level, or a higher-possible performance, but with a greater risk level.
Income funds
Choose this if you want your investment to produce regular sums of money that can be paid into your bank account or reinvested back in the fund.
How would you like your money managed?

Here you can choose the level of involvement that you would like from our experts.

Expert focus
Our in house investment experts spread your money across a range of best in class fund managers with the aim of staying on top of the best opportunities in the market on your behalf so you don't have to.
Cost focus
Our in-house investment experts spread your money across global markets and asset classes to keep you well diversified, while keeping costs low.
Choose your risk level

The value of your investments can go down as well as up, less risky investments will usually give you a more modest return, and investments with a higher level of risk generally have a chance of higher returns.

It's important to decide where on this scale you are comfortable.

Not sure what risk level to choose? Use our risk calculator tool

Choose your risk level

Understanding how comfortable you are with different levels of risk is the first step to planning your investments.

Not sure what risk level to choose? Use our risk calculator tool

Defensive / Cautious Income
This fund aims to provide investors with a steady income over time, this fund may appeal to cautious investors who are more focused on preserving their money, rather than accepting more risk in the hope of higher returns. The portfolio manager has the flexibility to adjust the asset mix to take advantage of changing market conditions, while managing risk.
Income & Growth
This fund aims to deliver a steady income and capital growth, with the potential for the income to grow over time. It does this by investing in a relatively balanced mix of defensive assets (such as bonds and cash) and higher-growth but higher-risk asset classes (such as equities). The fund is designed for investors who are prepared to accept a higher level of risk. The portfolio manager has the flexibility to tactically adjust the asset mix within defined ranges to take advantage of changing market conditions, whilst managing risk.
Fund based on your selections
Fidelity Multi Asset Balanced Income Fund

This is your investment suggestion that corresponds with your selections. Remember, it is not a personal recommendation or advice. You can see everything you need to about the fund below. Please make sure you read and take note of this information before making an investment decision.

Balanced income
This fund aims to deliver a steady income with some capital growth. It is designed for investors who are prepared to take a degree of risk in return for some potential capital growth in addition to income. The portfolio manager has the flexibility to tactically adjust the asset mix within defined ranges to take advantage of changing market conditions, whilst managing risk.
Fund based on your selections
selections

This is your investment suggestion that corresponds with your selections. Remember, it is not a personal recommendation or advice. You can see everything you need to about the fund below. Please make sure you read and take note of this information before making an investment decision.

Fees and charges
Service fee
0.35%
Other charges such as transaction costs and ongoing charges will apply. For a full breakdown of fund charges please see the fund factsheet.
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Fund manager
Chris Forgan is a Portfolio Manager at Fidelity Multi Asset. Chris has 20 years of investment experience and joined Fidelity in 2017.
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Buy this fund View factsheet View fund performance
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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.

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