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Home Guidance & tools Choose an account

Which account is right for you

Find an account that meets your needs by answering a few simple questions

The value of investments can go down as well as up, so you may not get back what 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.

1

What are you trying to do?

1

What are you trying to do?

Yes

Please select an answer and click Next to continue.

2

Will you need the money before you turn 55?

2

Will you need the money before you turn 55?

Yes

Please select an answer and click Next to continue.

3

How much do you want to invest initially?

3

How much do you want to invest initially?

Yes

Please select an answer and click Next to continue.

4

Have you already opened an ISA for this tax year?

4

Have you already opened an ISA for this tax year?

Yes

Please select an answer and click Next to continue.

2

Does your child already have any of these accounts?

2

Does your child already have any of these accounts?

Yes

Please select an answer and click Next to continue.

3

How much do you want to invest initially?

3

How much do you want to invest initially?

Yes

Please select an answer and click Next to continue.

4

When do you want your child to be able to access their money?

4

When do you want your child to be able to access their money?

Yes

Please select an answer and click Next to continue.

Thank you for answering the questions

Below are the accounts you are most eligible to open:

Showing of 3 items

Investment ISA

Not available

Not available because you already have an ISA. However, you can always transfer your ISA to us.

Is it tax efficient?
No income or capital gains tax to pay on your earnings
Is the money easy to access?
You can access this account at any time
How much can I invest?
£20,000 this tax year, as any combination of cash and stocks and shares. Start from £50 monthly or a £1,000 lump sum.
Who is eligible?
UK residents 18 years+
Good to know
Can hold both cash and stocks and shares. Transfer your existing ISAs.
Explore Investment ISA
Open my Investment ISA

SIPP

Not available

Not available because you want to access the money before you turn 55.

Is it tax efficient?
Receive tax relief based on how much you pay, 20% basic, 40%+ higher
Is the money easy to access?
You cannot access a pension until you reach 55
How much can I invest?
£40,000 each tax year, with a maximum lifetime value of £1 million. Start from £50 monthly or a £1,000 lump sum.
Who is eligible?
UK residents 18 years+
Good to know
25% tax free lump sum at age 55. No inheritance tax if you die before taking your pension.
Explore SIPP
Open my SIPP

Investment account

Not available

Is it tax efficient?
Annual earnings up to £11,700 are exempt from capital gains tax
Is the money easy to access?
You can access this account at any time
How much can I invest?
Unlimited. Start from £50 monthly or a £1,000 lump sum.
Who is eligible?
UK residents 18 years+
Good to know
Can invest in a wider choice of funds such as offshore funds. Can designate accounts.
Explore Investment Account
Open my Investment Account

Junior ISA

Not available

Not available because your child already has a Junior ISA or a Child's Trust Fund.

Is it tax efficient?
No income or capital gains tax to pay on your earnings
Is the money easy to access?
Not until the child turns 18 years old and the money becomes the child's
How much can I invest?
£4,260 this tax year. Start from £50 monthly or a £1,000 lump sum.
Who is eligible?
UK residents, under 18 who were born after 2 Jan 2011, or before Sept 2002.
Good to know
Can hold both cash and stocks and shares.
Explore Junior ISA
Open a Junior ISA

Junior SIPP

Not available

Not available because you want your child to have access to the money before they turn 55.

Is it tax efficient?
Receive a 20% tax relief bonus
Is the money easy to access?
At age 18 the money passes to the child, but they cannot access the pension until they reach 55
How much can I invest?
£3,600 this tax year. Start from £50 monthly or a £1,000 lump sum.
Who is eligible?
UK residents, under 18 years of age.
Good to know
Friends and family can contribute too.
Explore Junior SIPP
Download a Junior SIPP application form

Fidelity Personal Investing does not give advice based on personal circumstances so you are responsible for deciding whether an investment is suitable for you. In doing so, please remember that past performance is not necessarily a guide to future performance, the performance of funds is not guaranteed and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. Before investing into a fund, please read the relevant key information document and ‘Doing Business with Fidelity’, a document that incorporates our Client Terms. If you are investing via the Fidelity SIPP and have not yet received a letter from us confirming you have moved to our new system, or are opening a new SIPP today you should read the Fidelity SIPP Key Features Document incorporating the Fidelity SIPP Terms and Conditions. Alternatively, if you open a new SIPP account after 31 January 2019 and are under 53 years old, or if you have already received a letter from us confirming you have been moved to our new system, you should read the Doing Business with Fidelity document incorporating our Client Terms. You should regularly review your investment objectives and choices and if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser.

© FIL Limited 2019