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Before you invest

Before you make your investment decision you should read the relevant essential documents to help you decide whether an investment is right for you.

General terms for using our services

When you open an account, make an investment or otherwise use our services, we’ll ask you to agree to various terms and conditions. At any point where we need you to confirm that you’ve read and agreed to them, we’ll give you a link to the documents, and you can also find them all here for easy reference.

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Important general documents you should read

These documents are not contracts, but are designed to provide you with important information related to your investment decisions. Some of these are regulatory documents that we have to supply by law, and we’ve written all of them to be as helpful to you as possible.

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When you’re transferring any investment to Fidelity

Legal terms we’ll ask you to agree to

Fees reimbursement terms and conditions
When you move over £1,000 of investments to Fidelity, we will reimburse the exit/redemption fees charged to you by your former provider, up to a maximum amount of £500 per customer. This document explains the terms under which this reimbursement will apply.

When you’re opening or transferring a pension

Legal terms we’ll ask you to agree to

When opening or transferring a pension, be sure you’re familiar with the following:

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When you’re opening an ISA

Legal terms we’ll ask you to agree to

Whether you’re opening an ISA for yourself, or one on behalf of a child, you’ll need to confirm your eligibility.

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When you’re investing in an open-ended investment company

Legal terms we’ll ask you to agree to

The SICAV declaration
The SICAV disclosure is something we ask you to agree to when you invest in a particular type of open-ended investment company established in Luxembourg as a société d'investissement à capital variable (SICAV) or one of its sub-funds.

When you’re buying any fund

Important documents you should read

Before investing in a fund you should be sure you understand the following

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Dealing times

Important information you should read

Buying and selling times
You can buy and sell online quickly and easily, 24 hours a day. You can also buy and sell over the phone. When investing in funds, deals are placed at the next available dealing point. For most products, this will be on the day we receive the instruction as long as it arrives before the dealing cut off time (for further details, see Pricing times). Investment instructions received in the post are usually placed within 24 hours of their receipt.

Switching times
Switch transaction will normally be processed within the course of two consecutive days.  Please note you will be out of the market during this time.

Pricing times
Most funds are priced at 12 noon and the dealing cut-off is 11am, however, there are a number of exceptions. Certain funds, due to the market they are investing in, do not price until the day after the dealing cut-off.  Where instructions are received in the 10 minute period after the cut off time, the instruction may be included in that day’s pricing otherwise the instruction will be included in the next available pricing. For fund specific details, please refer to the tables below. Any funds which have an 11am cut-off are not listed here.

Price changes
As the value of the fund can move up or down this affects the price of each unit or share. The price may also take into account trading costs.

Please note that in the event of a fund pricing more frequently than once a day, we will only use the provider’s main valuation point.

Early cut off times
We may apply an early cut-off time on certain public holidays or days on which markets close early such as Christmas Eve and New Year’s Eve, where this is imposed by fund managers or the brokers we use for trading.

Any deals received after a revised cut-off will receive the price achieved at the next available dealing point.

Offshore funds
Offshore funds are not dealt on a UK Bank Holiday. However, online dealing of Fidelity offshore funds, as long as the instruction to deal is in good order, will be priced and placed on a UK Bank Holiday. All other deals will be placed on the next working day. Additional public holidays in a fund’s country of registration may affect your ability to place deals on those days.

Our Fidelity Funds SICAV funds are only closed on Christmas Day & New Year's Day - we price on every other day, including Luxembourg & UK Bank Holidays. All other deals will be placed on the next working day. Additional public holidays in a fund’s country of registration may affect your ability to place deals on those days.

Fidelity SIPP
Buy and sell instructions are usually placed within 24 hours of receipt but may take up to two business days. Paper switch instructions received by 5pm on any business day will be dealt by 9.45am the following business day. Deal placement is dependant on the request being in good order and cleared funds being available. Once a cash deposit has cleared deals will be placed at the next available dealing point.

12pm cut off
1pm cut off
2pm cut off
3pm cut off
4pm cut off

Settlement times

Important information you should read

Before buying, selling or switching a fund you should be sure you understand the following

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When you’re thinking about tax

Important documents you should read

Find out what you need to know about tax and investing

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How is my money protected when I invest with Fidelity?

Fidelity has multiple levels of protection for your money in the event that something goes wrong. Fidelity is authorised and regulated by the Financial Conduct Authority, which means we always hold a significant amount of liquid capital. And because we are an investment firm, not a bank, we are required to separate client money and assets from our own resources. If all protections we have in place were to fail, you might have a claim under the Financial Services Compensation Scheme (but remember that this will not pay compensation if your investment performs poorly as a result of market conditions).

Our online terms

We want all our policies to be clear and transparent. Learn more about the online terms and conditions for making investments and accessing your account via our secure online system.

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Doing business with us

We want you to be sure you’ve found a provider that suits your needs. Find out all you need to know about doing business with Fidelity, before you choose to invest with us.

Read Doing Business With Fidelity