Not sure how to invest? Start here

If you’re new to investing, or finding it difficult, you’re not alone. Many people feel unsure when making financial decisions: ‘What are my goals?’, ‘Where should I invest?’ and ‘How much risk should I take?’

When asking yourself these questions, sometimes all you need is a little extra help to get started and feel more confident about the decisions you make.

That’s why we’ve come up with a list of different resources - all in one place - that you can use to invest with confidence.

Read at your own pace or jump to the relevant sections below.

• Our guides - start building your knowledge
• Planning tools - know your options and possibilities
• Investing tools - help with choosing investments
• Fidelity’s resources - support and services for you 

Our guides - start building your knowledge

We offer a range of guides designed to support you as you get started, while still offering useful insights as your confidence grows. We recommend taking your time to explore each page and build your knowledge at your own pace.

• Investing for beginners - learn the basics of investing with simple guides that explain how investing works, the different account and investment options available, and how to get started with confidence.
• Principles for good investing - use our five guiding principles to help you make smarter investing decisions, build your knowledge and understand how to grow your investments over time, whatever your goals may be. 

Planning tools - know your options and possibilities

Our planning tools are there to help you understand your options and see how your money could grow, so you can make clearer, more informed decisions about your future.

• Choosing accounts - find the right account for you by answering three simple questions about your goals, when you’ll need the money, and how much you want to invest.
• ISA Calculator - see how your savings could potentially grow over time in a Stocks and Shares ISA by entering how much you want to invest, choosing how long to invest for and a growth level.
• Retirement calculator - find out if you’re on track for the retirement you want by completing a short quiz. You’ll receive an estimate of your future income and whether it could support your ideal lifestyle.
• Power of small amounts - see how increasing your monthly savings by even a small amount could make a real difference to your pension pot over time.
• X-ray tool - understand what your portfolio is made up of by viewing a breakdown of your investments by region, asset type, sector and underlying companies, helping you spot where you may be too heavily invested in one area. You can access this through your online account by selecting ‘Account Holdings Report’ from your account summary page. 

Investing tools - help with choosing investments

Our investing tools help you choose and manage investments more easily. Whether you want guidance, ready-made options or more control over your choices, we have a variety of options available.

• Ready-made ISA - open an ISA with a diversified fund in three steps - so you can invest without needing to pick and manage investments yourself.
• Select 50 - explore a shortlist of our favourite funds selected by experts to help make choosing investments simpler.
• Navigator - find investment options that match your needs by answering a few questions about how you want to invest and the level of risk you’re comfortable with.
• Investment Finder - search for investments using filters such as investment type, sector and management style to help narrow down your choices.
• Retirement Builder - start saving for retirement with a single, medium risk, low-cost fund idea that aims to achieve stable growth over the medium to long term. 

Fidelity’s resources - support and services for you

If you’d like extra support with investing and managing your finances, we offer a range of services, guidance and resources to help you build confidence, understand your options and make more informed decisions.

• Financial advice service - get personalised financial advice from a Fidelity adviser with tailored recommendations based on your goals, finances and long-term plans. This service is available if you have £100,000 or more to invest (including pensions) and starts with a free, no-obligation conversation to see if it’s right for you.
• Wealth Management service - as a Wealth Management customer, you’ll have access to a dedicated Relationship Manager, investment guidance and exclusive benefits to help you manage your wealth over time. To qualify, you’ll need to have £250,000 or more invested with us (this can include your pension).
• Retirement service - speak with our retirement specialists to help you understand your retirement options, including taking income, tax-free cash and pension transfers. The service offers both free guidance and paid personalised advice, depending on the level of support you need.
• Investor Centre - visit our Investor Centre in central London to speak with the team in person, either by booking a free 30-minute appointment or dropping in. The team can help with opening accounts, forms and documents, general account queries, and explaining our range of services.
• Free newsletters - sign up for our newsletters to receive regular updates, including market insights, investing ideas, retirement guidance, account updates and educational content to help you stay informed and build your confidence over time.
• Freya - get instant answers to your questions using our AI-powered assistant, Freya, which can help with topics like investing, Fidelity products and services, and managing your account through simple, conversational support. Freya is designed to provide guidance and information rather than personalised financial advice. To chat with Freya, look out for the blue “Need help?” icon in the bottom right-hand corner of a page.

Got a burning question you want to ask? Why not drop us a line. Click here to ask an expert your question.

• Read: Investing versus saving: the basics
• Read: Five common investing styles explained
• Read: Is now the right time for financial advice?

Important information: investors should note that the views expressed may no longer be current and may have already been acted upon. Tax treatment depends on individual circumstances and all tax rules may change in the future. Withdrawals from a pension product will not be possible until you reach age 55 (57 from 2028). Select 50 is not a personal recommendation to buy or sell a fund. Please note that 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. 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 one of Fidelity’s advisers or an authorised financial adviser of your choice.