Whether you’re a DIY investor, want some help along the way or just want to sit back and let the experts make the decisions for you, Fidelity is here to help you make the most of this tax year’s ISA investment.
For more and more of us, investing in funds is a common sense choice when it comes to our ISA. Rather than choosing from individual shares, the option of selecting from a choice of funds and getting automatic access to a range of shares, possibly across sectors and even across continents, is enormously appealing.
Unlike individual stock picking, with funds in your ISA you immediately stand to benefit from not having all your eggs in one basket. You get to spread your risk and also benefit from the experience of the managers running the funds you choose to invest in.
However, with more than 2,800 funds to choose from, sometimes knowing where to invest your money can feel slightly overwhelming. But, you are not alone. Whether you want to make your own choice when it comes to this year’s ISA, you would prefer a helping hand, or you’d rather leave all the decisions to the experts, with Fidelity you can invest in this year’s ISA exactly how you want to.
I want to do it myself
If you want to be in the driving seat, then at Fidelity we put you firmly in control. We don’t just offer our own funds, our platform gives you access to funds from over 100 different fund managers.
When it comes to your ISA investment choices, with funds the world really is your oyster. Whether you want to put your money into the UK blue chip companies that make up the FTSE 100 index of leading shares, you want to invest in up-and-coming small cap stocks in the United States, you fancy dabbling in emerging markets, or you’re a fan of mining stocks, biotech or gold, there will be a fund for you.
Our Investment Finder tool enables you to filter out the funds best-suited to you. You can choose by fund manager, asset class, sector, fund charges or Morningstar rating. Plus you can specify whether you want to invest in an active or passive fund. The filters in our Investment Finder make finding just the right finds for your ISA, simpler.
I’d like some expert fund recommendations
If you’re happy to make decisions about where you might like to invest, in which sectors or across which continents, but would still like to tap into our wealth of expertise, you can.
Though not a personal recommendation to buy or sell funds, the Select 50 range of funds has been specially selected by our experts to offer the pick of the bunch in each category.
There are eight categories to choose from and each one contains a selection of funds that our team believes offers the best investment opportunities. These funds also often come with a specially-negotiated discount, meaning more of your money is invested where it can grow for you.
And now we have made investing in the Select 50 even easier with the launch of the Fidelity Select 50 Balanced Fund. Run by highly-experienced fund manager Ayesha Akbar, this fund of funds is made up of the funds our expert has very high conviction in.
I want a ready-made solution
With our PathFinder tool, we guide your through the process of choosing which funds to include in your ISA. You simply choose the level of risk you’re comfortable with, say whether you want to invest for income or for growth and whether you want to invest a lump sum or make regular savings (or do a mixture of both) and we take it from there - making the day-to-day decisions involved in managing a diversified portfolio.
You might already know that you simply want to make the most of what you’ve got or you might have a specific goal in mind for this year’s ISA. If not, then we even have a tool that will help you get to grips with your attitude to risk in 10 steps.
A world of investment opportunity is available to you. So make sure you put this tax year’s ISA allowance to good use.
The value of investments and income from them can go down as well as up and 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. Discounts on Select 50 funds could come in the form of a rebate from the fund manager or lower annual management charges (AMC). If you receive a rebate outside of an ISA or Pension (SIPP), any rebates you receive are potentially liable to income tax at your marginal tax rate. Investors should note that the views expressed may no longer be current and may have already been acted upon. Please note these guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to an authorised financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.