Invest with our ready-made ISA
Open an ISA with a diversified fund in three steps
Important information - investment values can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and tax rules may change. This is not a personal recommendation for a specific investment. If you're not sure which investments are suitable for you, consult Fidelity's advisers or another authorised financial adviser.
Choosing where to invest your money can be tricky and time consuming.
That's where our ready-made ISA comes in.
It's our Stocks and Shares ISA with a selection of diversified Fidelity funds for you to consider, all managed by a team of experts.
You select the fund based on features that are important to you. Our investment professionals then look after the day-to-day fund investment decisions. Just check in every so often to make sure you're still happy with your fund choice.
No fuss, no hassle.
Why our ready-made ISA?
A diversified fund
Made easier for you
Fidelity's expertise
Could our ready-made ISA be right for you?
It could be if:
- You'd like to consider a diversified Fidelity fund for your ISA to get you started
- You'd like a fund that invests in a range of asset types, such as company shares and bonds, so it acts like a diversified portfolio
- You want to invest for five years or more
- You have emergency cash set aside for urgent needs
It might not be if:
- You’re looking for guaranteed returns, or you’re not prepared to see your investment go down in value
- You want to see more investment options, so you can create your own portfolio
- You want personal advice on where to invest
- You've used all your £20,000 ISA allowance this tax year
- Select the investment features that are important to you using our Navigator tool below and we'll show you a multi-asset fund to consider.
- Once you've decided on a fund, select 'Buy fund'.
- We'll then take you through opening our Stocks and Shares ISA and adding your money. You can start saving from as little as £25 a month or with a £1,000 one-off payment.
Once your ISA is open you'll be invested in that fund. The experts will then look after the everyday fund investment decisions - you just need to check back every so often to see if it's still right for you. You'll get all the tax benefits of our ISA - that's no tax to pay on any earnings from your investments within the ISA.
Why Fidelity?
1.7 million UK customers*
We're trusted with over £40 billion of our UK customers' savings
Over 50 years' experience
Our decades of experience can support you in achieving your financial goals
Here to help you with:
- Choosing investments - giving you the flexibility to choose what best meets your needs from a wealth of options
- Excellent customer service - our UK and Ireland-based support is available over the phone and online
- Guidance, tools and expert insights - helping you feel confident about where to invest you money
*Source: Fidelity, as at 30.09.25
Our ISA fees and charges
Service fee rate
0.35%typically £3.50 for every £1,000 invested*
Larger portfolios*
0.2%and qualify for our Wealth Management Service
Buy and sell shares
£7.50for share deals placed online
*0.35% service fee applies if you have a regular savings plan or have more than £25,000 invested. Otherwise, a £7.50 per month service fee applies. There will also be investment charges set by the companies and funds you’re investing into which sit outside of our service and dealing fees. 0.2% service fee applies to accounts with over £250,000 invested, and applies to the total value of your investments.
Fund FAQs
Funds allow investors to pool their money together, which a fund manager will then invest on their behalf. The manager is responsible for choosing investments for the fund and tries to grow investors’ money, although the growth isn't guaranteed.
Within these various fund types there will be a range of different investment approaches including multi-asset funds.
Asset allocation is a strategy used in investing to spread money in a portfolio across different types of asset classes, such as stocks, bonds, and cash.
Each asset class has different risk and return potential. Investors aim to align their asset allocation strategy with their financial goals, risk tolerance and investment horizon.
An index fund is a type of mutual or exchange-traded fund (ETF) that aims to track the overall performance of a market index, like the FTSE 100. An index fund manager will do this by investing in the same stocks or bonds, or a representative sample of them, that make up the market index it's trying to track.
Attitude to risk is how you feel about taking investment risk. And, whether you can, or even need to take any risk financially. It’s individual for everyone and likely to affect where you invest your money. You should not take more investment risk than you are comfortable with.
Remember that investments can be volatile with values rising and falling - higher risk investments that have greater return potential often can be more volatile. The key is feeling comfortable with your approach and choosing wisely based on some key factors:
Know your goals
Whether it’s a new home, dream retirement or you’re focused on growing your wealth for a better financial future, knowing your goals can help you think about why you’re investing and what your plan will be.
Think about time horizon
How long you plan to invest for is important. If you want to save for a year or two, it’s wise to put your money in a bank account where it’s secure and the initial amount won't change. A general rule of thumb for investing is staying invested for a minimum of five years.
Typically speaking, longer-term investment horizons may allow you to maximise the risk you are willing to take as investments have a higher possibility to recover from market downfall.
Therefore, you could afford to be more adventurous in your investment choices. While a shorter time horizon means less recovery time, so you may want to be more cautious.
Pay attention to your emotional wellbeing
Money can be a source of worry for many people. Markets fluctuate - they can go down as well as up. So, it’s important to think about your emotional response to your investments possibly falling in value. Can you survive losing money without sleepless nights? Or are you at peace with accepting the risk of greater losses for the potential of higher returns?
Recognise your tolerance to loss
It’s important investing doesn’t have a negative impact on your lifestyle. Ask yourself whether losing money on your investments will mean a change for your living standards.
If you're still unsure about your risk appetite, our principles for good investing may be able to help. Or you can speak to one of Fidelity's advisers or an authorised financial adviser of your choice.
