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Helping you understand how much your savings could grow when saving with a Stocks & Shares ISA.
Important information: 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. The value of your investments and the income from them and can go down as well as up, so you may get back less than you invest. ISA rules apply. Tax treatment depends on individual circumstances and all tax rules may change in the future.
The forecast from this calculator is based on your input and is not a reliable indicator of future results. It will therefore not show what your investments will actually be worth. The growth figures shown assume annual charges of 1.1% and are net of these charges.
When using this tool, you need to select the rate of growth that you would like to see a projection for. Fidelity can’t advise you as to what a reasonable rate of growth would be for your investments - it depends on a number of different factors.
This calculator is just for providing examples, it doesn’t show what your investments will actually be worth.
How we take charges into account
To show how these rates of growth may translate into the actual performance of an investment, we have to take into account the various fees and charges associated with investing.
To do this, we’ve assumed that your investments will be subject to charges of 1.1% a year. This would typically include our fees, as well as most fund charges. However, as this is a generic figure it does not take into account the actual fund you are considering, which may have a higher or lower charge. The actual charges you are subject to will be provided in each fund’s Key Investor Information Document.
The impact of inflation
The rates of growth and the chart are shown in pre-inflation (‘nominal’) terms.
The forecast does not directly take inflation into account. However, we believe that it is a good idea to consider the impact that inflation could have on the value of your money.
We believe that a reasonable long term assumption for inflation is around 2% each year. This means that for every year, each pound you have is worth 2% less. In some cases, this could mean that, even if your investment grows over time, the value of what you can buy with it becomes less.
Your regular savings
We assume any regular savings will be invested at the end of each month; we also assume that your payments will not increase over time (but you could do this if you wish).
We do not take tax into account for this forecast. While you may have to pay tax on any investments that do not sit within a tax-efficient wrapper like an ISA, Fidelity cannot guide you on this.
Selecting different growth rates
When using this tool, you need to select the rate of growth that you would like to see applied.
The range of rates available to use is wide and this is so that you can look at different return rate scenarios and see, in simple terms, what effect that has on investment returns.
There is no right or wrong rate to select because the return you may achieve when you invest is never known. This is illustrated by the following investment warning: “it is important to remember that the value of investments can fall as well as rise and you may get back less than you invested”.
The calculator is not trying to predict anything, it is simply allowing you to see how different rates of growth can affect an investment.
Factors that can influence actual returns include:
Enter any single payments which you’re planning to make in the current tax year.
Enter the value of any existing ISAs you hold which you want the projection to take into account.
Select an example growth rate to see how well your investment might grow during the time period you have selected. But remember that these figures are based on your input and do not reflect what you will actually receive.
Invest your ISA allowance as either a lump sum or a series of regular monthly payments.
Start a regular savings plan from £50 a month or make a single payment of at least £1000.
Our straightforward transfer process makes it easy to bring your investments together.