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Investment Account

Access a wide range of investment opportunities beyond your tax-efficient allowances.

What is an Investment Account?

  • No limit to how much you can invest
  • Choose from mutual funds, exchange-traded funds (ETFs), investment trusts or individual stocks and shares
  • Start a new investment today, transfer existing investments to us, or hold your money in cash to invest later.

Unlike an ISA or pension, investments in this account are not held within a tax wrapper. Depending on your personal circumstances you may need to pay tax on your returns if they exceed your personal allowances.

Our Investment Account

  • Invest in a range of mutual funds, exchange-traded funds (ETFs), investment trusts and individual stocks and shares. Save money with our discounts on hundreds of funds
  • Manage your Investment Account 24/7 using our secure online service
  • Get instant access to our investment expertise, market insights and planning tools. And our freephone UK call centre is open six days a week.

Whether you’re saving for a special day, investing in your child’s future or building up a nest egg, we’ll help you to open your Investment Account, with as little or as much guidance as you need.

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It’s important to keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest.

Open an Investment Account

  • Enter your details
  • Make a payment of at least £1,000
  • Or start a regular savings plan from £50

Transfer my Investment Account

  • Enter details of your current provider
  • We do the rest and we will let you know when the transfer is complete 

You can start investing once your account is open, but if you like you can choose your investments first and then open your account.

Bring your investments together

Having investments spread across multiple companies can be both time-consuming and costly. Bringing them together means less stress and less paperwork.

Our straightforward transfer process makes it easy to bring your investments together - just tell us where they’re currently held and we’ll take care of the rest.

It’s free to transfer and we’ll even cover any exit fees you may incur, up to a total of £500 per person. T&Cs apply.

Find out more about transferring investments to Fidelity.

Why choose Fidelity

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Trusted

With more than 50 years’ experience we’ve already earned the trust of over one million UK investors.

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Easy

Start investing in just a few steps, with 24/7 online access from your computer, tablet or phone.

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Clear

Enjoy low costs, no initial charges and no additional fees to switch or exit.

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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.

A clear approach to fees

We believe in giving you great value, so we charge an annual service fee, payable monthly, based on the value of all your investments. And did we mention all the award-winning guidance, on-the-go access and support with investing you get? That’s all included in our service fee.

We add all your accounts together before we work out which fee band you’re in, meaning we’ll charge you the lowest rate.

  • The portion of the fee you pay on exchange-traded investments (shares, exchange-traded funds (ETFs), bonds, etc.) is capped at £45.
  • However, you do not pay a service fee on exchange-traded investments held in an Investment Account.

The table below shows how this fee changes as your investments increase. To see this in more detail please read the Doing Business with Fidelity document.

In addition to our service fee, there may also be charges set by the company managing your funds, and there will be additional charges for any share dealing you engage in. For more details, please read the Fidelity pricing guide or visit our main fees and charges page.

Total value of investmentsService fee (annual amount or rate)
Less than £7,5000.35% if you have a regular savings plan or £45 if you don't
Less than £7,500, held in a Junior ISA/SIPP0.35% if you have a regular savings plan or £25 if you don't
£7,500 or more but less than £250,0000.35%
£250,000 or more but less than £1 million0.20%
£1 million+0.20% a year for the first £1 million and no service fee for investments over £1 million. This means the maximum fee you will ever pay for all of your personal accounts is £2,000 a year.

The same service fee is charged across all of your investments. So, if you hold £300,000 - the fee would be 0.20% across the full amount, and not 0.35% on investments under £250,000 and then 0.20% a year on the remaining £50,000. For exchange-traded instruments including investment trusts, this is capped at £45. There is no service fee for these investments held in the Fidelity Investment Account.

How and when we take our fee

Individual accounts
Joint accounts

Putting it into practice

Here are some scenarios, for illustrative purposes only, that show how we would calculate what you would be charged. If you have less than £7,500 in total there will be a flat fee of £45 a year (£25 for Junior ISA and Junior SIPP), although this changes to 0.35% if you have a monthly regular savings plan (RSP). We will usually collect this fee in arrears in monthly instalments of £3.75 (or £2.08 for Junior ISA and Junior SIPP).

Example of what you could pay
Amount investedAnnual service fees with monthly RSPAnnual service fees without monthly RSP
£5,000£17.50 (0.35%)£45 (flat fee)
£7,499£26.24 (0.35%)£45 (flat fee)
£7,500 £26.25 (0.35%)
£12,500 £43.75 (0.35%)
£20,000 £70.00 (0.35%)
£55,000 £192.50 (0.35%)
£249,999 £874.99 (0.35%)
£250,000 £500.00 (0.2%)

Fidelity fees on multi-linked accounts

The fees mentioned above are for investments held directly with Fidelity.

If you hold some investments through a financial adviser, then the charges will be different from the ones you hold directly with us.

We suggest you speak with your financial adviser to find out more about what charges and fees will be applied.

Read the guide

Find out more about our fees and charges

Download our Fidelity Pricing Guide
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How would you like to invest?

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PathFinder

Show me a few ideas

Tell us your risk preference and we’ll give you a couple of fund options to consider.

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Select 50

Show me your experts’ picks

Browse the list of our experts’ fifty favourite funds.

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Investment Finder

Show me everything you offer

Use our powerful tool to search and filter the thousands of investments on offer.

These guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to a financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.