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Investment Pathways

Important information - the value of investments can go down as well as up so you may not get back what you invest. Eligibility to invest in a SIPP and tax treatment depends on personal circumstances and all tax rules may change. You can't normally access money in a SIPP until age 55. This information is not a personal recommendation for any particular product, service or course of action. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

If you have a workplace pension administered by Fidelity, please visit our Workplace Investing Investment Pathways page.
Read more about Workplace Investing Investment Pathways

What are Investment Pathways?

Investment Pathways are designed to ensure that anyone with a Pension Drawdown Account should have access to good-value investments that broadly match a range of goals.

The Investment Pathway goals

Our Investment Pathways aim to mirror four goals that someone may have for the money in their Pension Drawdown Account.

  • I have no plans to touch my money in the next five years
  • I plan to use my money to set up a guaranteed income (annuity) within the next five years
  • I plan to start taking my money as a long-term income within the next five years
  • I plan to take out all my money within the next five years

What is drawdown?    What is an annuity?

The Fidelity Investment Pathways

For each Investment Pathway goal there is a corresponding Fidelity fund you can invest in. These four funds are all ‘accumulation’ funds. This means that any income generated by the investments in a fund is re-invested so it contributes to the fund's potential growth.

I have no plans to touch my money in the next five years
I plan to use my money to set up a guaranteed income (annuity) within the next five years
I plan to start taking my money as a long-term income within the next five years
I plan to take out all my money within the next five years
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Your options

You can decide how you use our Investment Pathways within your Pension Drawdown Account. This means you can spread your money over more than one Investment Pathway, move money from one Investment Pathway to another or choose an Investment Pathway for some of your money and invest the rest in your own choice of the other investments in our range.

Getting started

If you're not already in drawdown and you would like to withdraw money from your pension, you will need to call our retirement team, available 9am to 5pm, Monday to Friday. 

Our specialists can help you understand drawdown and Investment Pathways, and offer guidance or personalised advice.

 

Call us on 0800 368 6882
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Frequently asked questions

Can I transfer or re-register another company’s Investment Pathway to Fidelity?
Do I have to choose an Investment Pathway?
Can I invest some of my pension in an Investment Pathway and choose my own investments for the rest?
What happens to my Investment Pathway after I have held it for five years?
Is there a minimum amount I have to invest in an Investment Pathway?
What if the Investment Pathway I have chosen is no longer right for my retirement plans?
Do I have to hold an Investment Pathway for five years?
Can I still set up an annuity if I choose an Investment Pathway?
Can I take an income from the Investment Pathways?
Can I move my Investment Pathway to another pension provider?
Can I split my Pension money between different Investment Pathways or do I have to choose just one?
What charges will I pay for an Investment Pathway fund?
I’m not sure what to do. Can I get advice?