Build your investing knowledge
Whether you're new to investing or have been doing it a while, there's always something to learn. And the more you learn, the more confident you'll become.
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. You cannot normally access your pension until age 55 (57 from 2028). Withdrawals from a Junior ISA are not possible until the child reaches age 18. This information and our tools are not a personal recommendation for a specific investment. You must ensure that the fund you choose is suitable for your individual circumstances and remains so over time. Seek advice if you're unsure.
Why should I invest?
People invest for all sorts of reasons, but a common goal is to make their money work harder over time.
Money sitting in a bank is secure, but because interest rates and inflation change, it may not amount to much in the long run.
Investing can give your money more room to grow (but it can also fall in value, so you could get back less than you put in).
Is investing right for me?
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You should only invest if you're in a position to do so. If you're in debt, not making the most of your pension, or don't feel comfortable investing without taking financial advice, you may not be ready to invest just yet.
If you have over £100,000 to invest (including any pensions), Fidelity International has financial advisers who can give you a personal financial recommendation. Learn more about paid-for financial advice. -
It's also a good idea to have some savings set aside before investing. If your circumstances change it can be tempting to dip into your investments. And yet it's time that gives them the best chance to grow (we recommend you stay invested for at least five years), as markets rise and fall.
Before you make any major decisions, it's worth taking the temperature of your finances to see how healthy they are. Get your financial wellness score.
How can I invest?
We'd like to make your experience as easy as possible. Here are two simple steps that show you how to invest your money with us.
If you're ready to invest, the first thing you'll need to do is choose an account to hold your investments in. It’s important to pick one that’s right for you. So, you’ll need to think carefully about your personal situation and what you’re saving for.
- Stocks and Shares ISA - a tax-efficient way to currently invest up to £20,000 per year.
- SIPP (Self-Invested Personal Pension) - a flexible way to save for retirement with significant tax benefits.
- Junior accounts - invest for your child's future with a Junior ISA or Junior SIPP.
- Investment account - for anyone who’s already used up their yearly tax allowances, there’s our investment account. This has no limits on how much you can invest.
Once you know what account you need, it's time to think about what you want to invest in. We have over 5,000 investments to choose from, including funds, shares, investment trusts and exchange-traded funds (ETFs).
- What is a share? If you buy a share, you buy a part of a company (that has a variable number of units to sell).
- What is a fund? A fund is made up of a number of companies' shares, so you get to invest in many companies at once.
- What is an ETF (exchange-traded fund)? Exchange-traded funds contain a mix of shares or bonds that track a market, like the FTSE 100. They typically have lower costs than other types of funds.
- What are investment trusts? Investment trusts are similar to funds, except you buy and sell these on a stock exchange.
- Any other considerations? Think about inflation. Inflation is the rising cost of living over time. To give you an example, it’s very unlikely the amount you pay for a coffee now will be the same in ten years’ time. Inflation typically reduces the buying power of your cash in the long term.
Saving towards goals
Stocks and Shares calculator
Retirement calculators
Let's help you get started
Whether you’re investing money or transferring shares that you already have in the UK or you're moving money from your Stock Plan Account, we take you through your account options and where you can find help with choosing investments.
Employer's stock plan
Bank account or another investment provider
Looking for personalised support?
Personal financial advice
Fidelity International offers financial advice to help you make the most of your money (it’s a paid-for service). The initial call is free. It's for those with more than £100,000 to invest. This includes money held with Fidelity International or elsewhere, such as pensions or a Stock Plan Account.
Explore personal financial adviceRetirement support
We’ll help you understand your retirement income options, answer your questions and offer access to specialists who can offer free guidance or paid-for advice.
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