Fidelity Pension

Retire the way you want to by investing in a simple to manage, tax-efficient private pension.

A Fidelity Self-Invested Personal Pension (SIPP) is a tax-efficient way to save for your retirement. Like all pensions, the government will usually boost your contributions and not charge tax on any investment gains while the money is kept in the pension.


  • Benefit from 20% government tax relief, automatically added to your SIPP*
  • Start a regular savings plan from as little as £50 per month
  • Manage and track your SIPP at any time through your secure online account
  • Flexible access to your pension from age 55
  • Bespoke tools to help plan your retirement, or call Fidelity's Retirement Service for advice
  • Typical service fee is just 0.35% - ongoing fund charges also apply

Why choose Fidelity

  • We have more than 45 years' investment experience
  • Trusted by over one million UK investors
  • Start investing in just a few steps with 24/7 online access
  • Wide range of investment options from 140+ providers
  • Get instant access to our investment expertise, market insights and planning tools
  • Award-winning approach to investing for beginners to advanced investors

*Tax relief is only available on the lower of the annual allowance (currently £40,000) or 100% of your earnings in a given tax year. If you exceed your annual allowance you may have a tax charge to pay unless you have unused allowance you can carry forward. If you have earnings of £110,000 or more, the amount you can pay in and receive tax relief on could be ' tapered' down to £10,000. Alternatively, if you’ve already taken taxable income from your pension pot under pension freedoms, your annual allowance may be £4,000 (known as the money purchase annual allowance) and you will not be able to use carry forward to contribute to a SIPP.

For more information on tax relief and all the allowances please visit our pension allowances page.

The value of investments can go down as well as up so you may not get back what you invest. Eligibility to invest in a SIPP or Junior SIPP depends on personal 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. Withdrawals from a pension product will not usually be possible until you reach age 55.