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Accounts available with Invest@Work

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 an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future.

With Invest@Work you can open a Stocks and Shares ISA, or an Investment Account.

  • A Stocks and Shares ISA is a tax-efficient way to save and pay no income tax or capital gains tax on returns. The ISA allowance for the 2019/20 tax year is £20,000, and you have until 5 April 2020 to use it.
  • An Investment Account allows you to invest any amount you wish, however it does not offer the same tax-efficient benefits as an ISA.
  • UK residents aged 18 and over are eligible for either account and you can access the money in each at any time.
  • You can only open an account with a regular savings plan.

Stocks and Shares ISA

  • Is it tax efficient?
    No income or capital gains tax to pay on your earnings.
  • How much can I invest?
    £20,000 this tax year. Start from £50 a month from your salary, you can also add lump sums.
  • Good to know
    Can hold cash, as well as investments. You can transfer any existing ISAs into it.

Investment Account

  • Is it tax efficient?
    Annual earnings up to £12,000 are exempt from Capital Gains tax.
  • How much can I invest?
    Unlimited. Start from £50 a month from your salary, you can also add lump sums.
  • Good to know
    Can hold cash and investments. You can transfer any existing Investment Accounts into it, and you can add account designations.

Other account options

Depending on your circumstances, Fidelity offers a range of options for retirement and investing for children. These accounts are not available by pay deduction with Invest@Work

Junior Stocks and Shares ISA
Junior SIPP
Self-invested personal pension

Ready to start investing?

First, you’ll need to open your Stocks & Shares ISA or Investment Account, then you can choose how much you’d like to save each month and where to invest your savings. Read more about how it works.

New to Fidelity Personal Investing?

Open a Stocks and Shares ISA or an Investment Account and start saving.

Already have a Fidelity Personal Investing account?

Log in now to set up Invest@Work on an existing Stocks and Shares ISA or Investment Account, or to open a new one.

Need more information?

About Invest@Work

Read an overview on what Invest@Work is and how it can help you reach your savings goals.

Learn about investing

Get to grips with why you might invest and what the different investment types are.