Important information - 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 ISA and tax treatment depends on personal circumstances and all tax rules may change in the future. You cannot normally access money in a SIPP/Junior SIPP until age 55 (57 from 2028). Withdrawals from a Junior ISA will not be possible until the child reaches age 18. 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.
It's easy to fritter away an inheritance if you don't have a plan. But, if managed carefully, an inheritance has the potential to make a real difference to your - or your child's - future.
If you're thinking about investing your money to make it work even harder, take the time to weigh up your options.
If you have complex needs, you might like to speak to a financial adviser who'll be able to give you a personal recommendation and may bring you peace of mind. Call us on 0800 058 4443.
Learn about financial adviceIt's important you feel comfortable about what you do with your inheritance. These questions should give you some food for thought.
People invest for all sorts of reasons. But one of the main reasons they invest is to put any spare money they might have (above and beyond any money they've saved for a rainy day) to work harder for them.
Money sitting in a bank is secure, but inflation affects the value of your money in real-terms, meaning it decreases in value over time. In comparison, money that's invested has the chance to grow, but could also fall in value. That's the risk of investing.
If you've decided you'd like to invest your - or your child's - inheritance, here's some information on the accounts you can choose from.
Invest up to £20,000 a year in a Stocks and Shares ISA - from as little as £25 a month or a £1,000 lump sum - with tax free returns.
Take control of your retirement savings and get your money working harder with our award-winning SIPP. For every £800 you put in, the government will pay the £200.
Invest as much as you like - starting with as little as £25 a month or a £1,000 lump sum - in our Investment Account. Any earnings are subject to UK tax.
Invest up to £9,000 a year for your child - with as little as £25 a month or a £100 lump sum - with tax free returns. Your child can withdraw the money at 18 when control passes to them.
Invest up to £3,600 a year - from £20 per month - and pay no UK tax on any gains. HMRC tops up each payment*. Control passes when your child reaches 18 and they can withdraw from 55 (57 from 2028).
*To pay in a total of £100 to your Junior SIPP, you will only need to contribute £80, and the government will pay the other £20.
We can help you find your next investment from the thousands on offer. The options below could help you choose, but are by no means exhaustive, and should not be seen as a personal recommendation for any particular investment.
Tell us what’s important to you when investing and we’ll give you some fund options to consider.
Browse a list of our favourite funds - selected by experts.
Use our powerful tool to search and filter the thousands of investments on offer.
Important information: this information and our 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.
We appreciate your needs may be unique. Our financial advisers can provide a personal recommendation - whether you're looking for advice on a one-off or ongoing basis.
Explore adviceTo learn about the different types of inheritance and the topics surrounding them, head to our inheritance home.
If you’re thinking about passing some or all your inheritance onto a loved one, we can help you to get started.
