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Get in early for this year’s ISA

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

Maximise your time in the market

Many investors like to make the most of their ISA allowance at the start of the tax year. This means their money is invested in the market for the longest possible time, which gives the greatest opportunity for their investments to benefit from potential market growth. Of course, it's important to remember that performance isn't guaranteed.

Our research* shows an ISA investor who invested their entire ISA allowance in the FTSE All-Share at the beginning of each tax year over the last ten years, would be over £12,000 better off than an investor who waited until the end of each tax year to invest.

See the effects for yourself

The illustration below looks at three hypothetical investors who put money in their ISAs at different times of the year. Even though they all contribute the same amount every year (the maximum allowance) over a ten-year period, the returns they make are very different. Just use the options below to see the effects for yourself:

Past performance is not a reliable indicator of future returns. For illustrative purposes only. Based on FTSE All-Share data between 06.04.2011 - 06.04.2021 excluding charges and fees. Please note that any product charges for an investment would reduce the amounts shown.

Source: Datastream, April 2021. Total returns in GBP. Basis: bid-bid with income reinvested. Fidelity has been licensed by FTSE International Limited to use the name FTSE All-Share Index. *Fidelity International, April 2021. Total return in GBP of FTSE All-Share.

Let's start your saving journey

Open an ISA

It’s quick and easy to open an ISA online. Just enter your details and then choose from a regular savings plan or a one-off payment.

Invest in an existing ISA

Already have an ISA with Fidelity? Log in now to start investing.

Not ready yet

Find out more about how our award winning Stocks and Shares ISA can help you make the most of your ISA allowance.

Why invest with Fidelity?

Expertise – We know investment decisions can be tricky, so we have lots of guidance, tools, and information from our experts to help you with your ISA.
Choice – One of the widest fund ranges in the market, plus shares, investment trusts and exchange-traded funds.
Experience – We’ve been looking after people’s savings for over 50 years. 
Customer service – We’re proud to have a four-star rating on Trustpilot.*
Recognition – Our ISA was named Boring Money’s Best Buy 2020 and Best for Beginners 2021.

*Trustpilot rating based on 1,736 reviews as at 06.04.21.