• Pensions
  • Fidelity SIPP
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Fidelity SIPP (Self-Invested Personal Pension)

A SIPP is a tax-efficient flexible pension that you control.

You receive income tax relief on money put into a pension. Find out more about the tax benefits.

A Fidelity SIPP gives you

One simple low cost service fee - ranging from 0.35% to 0.20% with no additional charges

24/7 access - via our online account management system, and mobile apps

A wide choice - we give you access to a wide range of investment options with reduced fund management charges starting from just 0.09%, as well as tools to help you find the right funds for you

Great service - we are committed to providing excellent customer service, from our UK based contact centre to investment guidance on our website.

Please remember, the value of investments can fall as well as rise, so you may get back less than you invest. Eligibility to invest in a pension depends on personal circumstances. All tax rules may change in future. You will not normally have access to money you have invested in a SIPP until the age of 55.

How to open a SIPP

You can open a SIPP if you are over 18 and under 75 years old and a UK resident for tax purposes. Crown employees are also eligible. You can get started with a minimum of £100 per month, £1,000 lump sum, or a transfer.

To open a SIPP online:

1 choose how to open your SIPP (for yourself, as an employer or with a transfer)

2 choose your funds from our full range or use a guidance tool to help you

3 complete the online form

Help with choosing your funds

  • Choose from our PathFinder fund range categorised by risk
  • HeadStart Portfolios are a great foundation for building your own portfolio
  • Choose from top-rated funds carefully chosen by Fidelity's research experts with The Select List
  • Our fund supermarket helps you to research over 2,000 investment options quickly and easily

Please note: these options are designed to help you start your own pension. We're here to give you as much support as you need, but we are not providing you with investment advice. If you'd like this sort of help, please speak to a financial adviser.

Tools and guides

Find a fund for less from our main competitors and we'll refund the difference.
Terms apply.

Charges & Fees 

We have a low cost service fee of no more than 0.35% per year, with no additional charges. There are extra savings for investors with larger portfolios.