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Investments are easier to control when they’re in one place

Important information - please keep in mind that the value of investments can go down as well up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. 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. Before making your decision, please read our transfer guide, Moving your investments to Fidelity,  which explains the options available and gives you the information you need to know. It’s important to understand that pension transfers are a complex area and may not be suitable for everyone.

Bring your investments together

If you’re finding it hard to keep track of your investments, then now could be a good time to take control and bring them together with Fidelity.
 

  • Easy to see and manage your investments in one place
  • One company to deal with, saving you time and hassle
  • Low cost, so you keep more of your money
  • Plus, if you apply to transfer your ISAs, pensions or investment accounts to us by the 28 February 2022, you could receive £20 to £1,000 cashback ( exclusions, terms and conditions apply).

I’m looking to…

Transfer my ISA

Having multiple ISAs can be complicated and costly. We make it easy to start your transfer and bring your ISAs together.

Transfer my pension

If you’ve built up several pension pots, bringing them together into a SIPP could make them easier to manage.

Transfer my investment account

Our low-cost, easy-to-manage account lets you hold investments outside an ISA or pension, with no limit to how much you can invest.

Why Fidelity?

  • Wide investment choice  - funds, shares, investment trusts and ETFs, giving you more ways to meet your investment goals 
  • Simple, low cost pricing - we keep costs low so you keep more of your money
  • Support with decisions - online guidance, videos, easy to use investment selection tools and much more 
  • Additional benefits - if you invest over £250,000 with us, including an even lower fee and your own Relationship Manager.
  • Plus get £20 to £1,000 cashback if you apply to transfer your ISAs, pensions or other investments by 28 February 2022. Exclusions, terms and conditions apply.
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Cashback offer

Receive £20 to £1,000 cashback dependent on how much you transfer.

Total transfer value Cashback
£10,000 - £24,999 £20
£25,000 - £49,999 £50
£50,000 - £99,999 £100
£100,000 - £149,999 £250
£150,000 - £399,999 £500
£400,000 - £499,999 £750
£500,000 or over £1,000

We'll also cover up to £500 if your current providers charges exit fees (T&Cs apply).

When will I receive my cashback?

Your cashback will be paid directly into your Cash Management Account within 90 days following the closure of the offer (28 February 2022). If your transfer hasn't completed by then, we will pay your cashback within 90 days after the completion of your last eligible transfer.

Cashback offer - terms and conditions

The maximum cashback we’ll pay is £1,000 but not all customers will receive this amount. The actual cashback you’ll receive is dependent on the total value of your transfer. The minimum amount you must transfer to be eligible for cashback is £10,000. If you move your assets to another provider within 18 months of completing your transfer, Fidelity reserves the right to recoup any payments which were made to you as part of this offer.

The offer is valid for qualifying applications received between 1 November 2021 and 28 February 2022.

Full terms and conditions

On 4 November, the Government published the Finance Bill 2022 and a Treasury Update, which confirmed that the minimum age that most customers can access their pension benefits will increase from 55 to 57 from 6 April 2028. Whilst it is possible for details to change before the bill is made law, the following outlines some details from the draft legislation which should be considered when transferring a pension:

  • After 6 April 2028, some customers may retain the right to draw benefits before age 57 and this is dependent on the rules of their scheme on the 11th February 2021. 
  • Customers who transfer from schemes with a Protected Pension Age of 55 on or after 4 November 2021 will retain their right to draw benefits at age 55. For customers who opened the Fidelity SIPP on or after 4 November, protection will apply only to the transferred pot and not any money they add in the future.
  • Customers who transfer from schemes with no Protected Pension Age of 55 will be able access their pension from age 55 until the 6 April 2028 where this age will change to age 57. 

Apply to transfer

Before taking the next step, please read the following important information.

The value of investments can go down as well as up, so you may not get back what you originally invest.

It’s important to understand that pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered. Please read our  pension transfer factsheet, the cashback T&Cs and our exit fee T&Cs. You may also wish to download our guide to moving investments.

This information is not a personal recommendation for any particular product, service or course of action. If you are in any doubt about whether or not a pension transfer is suitable for your circumstances we strongly suggest that you seek advice from an authorised financial adviser.

If any of the following apply, you’ll need to speak to one of our retirement specialists before transferring your pension.

  • Your pension has any safeguarded benefits or guarantees.
  • You’ve taken all or part of your tax-free allowance or pensions commencement lump sum.
  • You’re already taking an income from your pension, known as drawdown.

Please note that if your pensions are moved to us as cash, you will be out of the market while your money is being transferred, so you could miss out on growth and income if the market rises during this time. See the steps involved in a pension cash transfer.

If you would like to keep the same investments that are in your existing pension (re-register) and they’re available on our platform, then you can do this but need to apply to transfer by post. If that specific version of the fund is not available on our platform, your current provider may be able to convert it to a version that we both support to facilitate the transfer in specie. If this is not possible, we will transfer the fund as cash, which means you'll be out of the market until you choose new ones. Our customer service team on 0800 368 1722 can provide you with more information and check if your existing investments are available on our platform. See the steps involved in a pension re-registration transfer.

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