Retirement Builder: a simpler way to invest in our SIPP
If you don’t want to choose your own mix of investments, Retirement Builder could be a good place to start. Your money goes into a ready-made, low-cost fund designed for medium to long-term retirement saving.
One fund. Multiple investments.
There are different ways to invest in our SIPP. You can build your own mix of investments, or choose a ready-made option, like Retirement Builder.
With a combination of investments from around the world already brought together, it helps keep things simple.
Retirement Builder currently invests in the Fidelity Multi Asset Allocator Growth Fund - Retirement Builder - Acc.
Grow your money over the long term
Designed for investing over five years or more, aiming for stable growth while taking a medium level of risk.
A ready-made mix of assets
Invests in shares, bonds and other assets and is actively managed by experts.
Global opportunity
Invests across different regions around the world, giving you access to a range of opportunities while further spreading risk.
You can either open a Fidelity SIPP with Retirement Builder or add it to your existing SIPP. From time to time, Retirement Builder is reviewed, and this could mean the investment it uses is changed to a different one. If that happens, Fidelity will take care of everything for you, including automatically moving any money you've built up from the current investment into the new one. We'll contact you when this happens.
Important: Investing over 5+ years can help you build long-term savings. But invested money can fall in value too so you may get back less than you put in. Retirement Builder is not a personal recommendation. If you're not sure which investments are suitable for you, consult Fidelity’s advisers or an authorised financial adviser. You cannot normally acess money in a pension until age 55 (57 from 2028).
Why Fidelity?
Over 50 years' experience
We’ve helped people just like you invest with confidence and build a more secure financial future since 1969.
Independently recognised
We’ve been a Which? Recommended Provider for Self-Invested Personal Pensions for six years in a row.
A SIPP that grows with you
Our Fidelity SIPP is a personal pension that gives you access to more ways to contribute and invest, plus support when you need it.
- Easy-to-use planning calculators to see if you're saving enough and on track for the future you want.
- Personalised, paid-for advice if you'd like recommendations based on your individual circumstances.
- Start from £20 a month with a regular savings plan or invest a lump sum from £800, giving you the flexibility to contribute in the way that suits you.
Click Invest in Retirement Builder and we’ll guide you through the next steps for a SIPP or Junior SIPP.
- If you don't already have a Fidelity SIPP, we'll help you open one first.
- If you already have a Fidelity SIPP, you'll simply be able to add Retirement Builder to it.
Once you're invested in the fund, the experts will look after the everyday fund investment decisions - you just need to check back every so often to see if it's still right for you.
Fees and charges
As with any investment, you'll pay annual ongoing fund charges and a Fidelity service fee.
Ongoing fund charge
0.20%This covers the cost of running the fund and is taken from the fund value. It may change over time.
Service fee
+ 0.35%The fee for holding a SIPP with Fidelity.* There’s no service fee for a Junior SIPP.
Annual total
= 0.55%*0.35% annual service fee applies if you have a regular savings plan or have more than £25,000 in total across your Personal Investing accounts with Fidelity. Otherwise, a £7.50 per month service fee applies. A reduced annual service fee of 0.2% applies when the total value of your accounts is over £250,000.
The ongoing fund charge is set by and paid to the manager of your investments. There's also a transaction cost - specific details can be found in the fund factsheet.
Retirement Builder aims to have a ready-made mix of assets such as cash, bonds and equities, so you’re not putting all your eggs in one basket. This helps to spread the risk you’re taking.
It invests globally - giving your pension exposure to different regions and opportunities around the world.
Retirement Builder currently invests in the Fidelity Multi Asset Allocator Growth Fund - Retirement Builder - Acc.
Retirement Builder FAQs
From time to time, Retirement Builder is reviewed, and this could mean the investment it uses is changed to a different one. If that happens, Fidelity will take care of everything for you, including automatically moving any money you've built up from the current investment into the new one. We'll contact you when this happens.
Retirement Builder could be right for you if:
- You'd rather not choose your own mix of funds.
- You want one fund that brings together lots of different investments from around the world.
- You're investing for retirement over the long term (five years or more).
It might not be if:
- You'd rather choose your own funds and build your own portfolio.
- You're looking for a different level of investment risk than Retirement Builder offers.
- You'd like personalised advice on where to invest.
Yes. You don't have to invest all of your SIPP in Retirement Builder. You can choose to invest some or all of your pension savings in Retirement Builder, and the rest in other funds, shares or exchange-traded funds (ETFs). Your Fidelity SIPP gives you access to thousands of investments, as well as tools and guidance to help you choose.
Time is one of the most important factors in investing. The longer you invest for, the more opportunity there is to benefit from the stock market’s long-term growth potential (although there are no guarantees).
That's why Retirement Builder could be for you if you want to invest for five years or more.
But if you'd like to switch to another investment you can. We have thousands of investments to choose from, including other funds, shares, exchange-traded funds and investment trusts. We also have tools and guidance to help you choose.
Funds allow investors to pool their money together, which a fund manager will then invest on their behalf. The manager is responsible for choosing investments for the fund and tries to grow investors’ money, although the growth isn't guaranteed.
Different funds invest in different ways. Retirement Builder currently uses a multi-asset fund, which means it invests across a mix of different types of investments.
Yes, you can transfer personal and workplace pension pots with different providers into our SIPP. Consolidating your pensions can help you take control and manage your money more effectively. Before transferring a pension, compare all the benefits, charges and features and always seek financial advice if you’re unsure.
If you're transferring a pension into a Fidelity SIPP, you can choose Retirement Builder as one way to invest your pensions savings.
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