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The sooner you invest, the more time your money has to grow

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. 

Put time on your side

Whatever you want your future to hold, investing can make it happen. The sooner you start, the better chance you’ll be giving your money to grow over time. Although of course there are no guarantees.

  • Benefit from long-term stock market growth potential
  • Any gains reinvested multiply over time
  • With our investment ideas and guidance, it’s easy to get started

And you don't have to start big. Investing little and often is a great way to build up savings for the future.

Why time matters

See for yourself how time in the market could benefit your savings.

Ways to invest

Our Stocks & Shares ISA and Self-invested Personal Pension (SIPP) are both tax-efficient ways to invest.

Cashback offer

Build your savings with a new monthly regular savings plan or invest a lump sum and receive £25 to help you on your way. Exclusions, T&Cs apply

How you can invest

Both ISAs and pensions are tax-efficient ways to invest but they work in slightly different ways - you might want to consider a mix of both.

Stocks and Shares ISA

  • Start from as little as £25 a month or invest lump sums 
  • Save up to £20,000 this tax year, free of UK tax
  • No age restrictions on when you can access your savings 

Self-invested Personal Pension (SIPP)

  • Start from as little as £20 a month or invest lump sums and HMRC will add 25% to each payment, or more if you pay tax above the basic rate
  • Save up to £40,000 this tax year (capped at the amount you earn if this is less), free of UK tax
  • Withdraw up to 25% tax free cash, normally once you've turned 55 (57 from 6 April 2028, unless you have a lower protected pension age)

If you've already used up your ISA and SIPP tax allowances you can invest as much as you want in a Fidelity Investment Account.

Why time matters

Time is the single biggest factor that determines how your investments could grow, although there are no guarantees.

Firstly, the longer you’re invested the more opportunity you have to benefit from long-term stock market growth potential. Secondly, your savings can benefit from compounding if the funds you invest in are the type that generate income which you use to reinvest rather than it being paid out to you. Over time this will compound, as effectively you’re getting interest on interest, helping your savings to grow even faster.

Get cashback when you invest

Set up a new monthly regular savings plan for at least £200, or invest a lump sum of £2,500 or more in a Fidelity ISA, SIPP or Investment Account online by 12 September 2022 and receive £25 cashback. Exclusions, T&Cs apply.

Important - Please complete the offer registration form below to claim your cashback. You can do this anytime up to the offer closing date. This offer is available to both new and existing customers.

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Claim your £25 cashback

If you're eligible for the £25 cashback offer, you must also complete and submit the offer registration form below by midnight 12 September 2022.

The name and email address you provide must be the same as those on your Fidelity account. If you haven't already registered an email address with us, please update your profile in your online account or contact us and we can do it for you.

Learn more

Benefits of regular saving

See for yourself how making regular contributions as part of a savings plan can help them grow into a sizeable sum over time.

Help choosing investments

Our easy-to-use investment selection tools can help you decide what to put in your ISA, SIPP or Investment Account.

Maximising your tax allowances

Learn more about tax-efficient saving and making the most of tax allowances to help boost your savings.

Important information - Tax treatment depends on individual circumstances and all tax rules may change in the future. You cannot normally access money in a SIPP until age 55 (57 from 2028). 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.