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Fidelity Moneybuilder Income ISA

Compare The Very Latest Income Funds For Your ISA.

The current ISA allowance is £20,000. See below a review of the Fidelity Moneybuilder Income Fund ISA.

Investment Fund ISAs

Moneybuilder Income

from Fidelity

Income Yield 3.12% pa - Income Paid Monthly*
More Info

Why we like it: A fund with a conservative approach to bond investing. The focus is on quality companies that are in good financial health and generate enough cash to keep paying bondholders. Aims to provide a relatively steady income and a small amount of growth, without taking excessive risks. It could help diversify a portfolio focused on shares, or be used as a way to limit volatility during tougher times for stock and bond markets. This fund is available via the Fidelity investment platform.

Important information: Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

Fidelity Moneybuilder Income ISA

The Fidelity Moneybuilder Income fund is a favourite fund for both Hargreaves Lansdown & perhaps not so suprisingly the Fidelity fund platform. 

The fund invests in "investment grade bonds" which are issued by companies that have a high likelihood of being able to repay their debts. As the risk to investors is lower than other corporate bond funds this is reflected in a lower historic annual yield. the fund offers an attractive alternative to cash with interest rates so low currently.

The Moneybuilder income fund pays monthly income which is attractive to investors and within an ISA income payments are not subject to personal income tax.

Can I Transfer My Current Stocks and Shares ISA To The Fidelity Moneybuilder Income Fund?

Yes.

If you are currently invested with another provider in a Stocks & Shares ISA the good news is that you can transfer relatively easily into the Fidelity Moneybuilder Income Fund.

If you do this via a platform such as Fidelity or Hargreaves Lansdown they can do this for you. Simply sign up for an ISA account and follow the simple instructions to get this actioned.

Buying the Moneybuilder Income Fund Via The Fidelity Platform

You can invest in this fund via a range of platforms - We have highlighted the Fidelity Platform:
Features:
  • One low cost service fee, typically 0.35% on the investments you hold with them. However, ongoing fund charges do apply
  • Flexibility, they allow you to hold cash as well as investments. This means you can hold your money in cash if you are concerned about the market's prospects. Providing a safer option until you’re ready to invest
  • 24/7 access using their online Account Management system, and mobile app
  • A wide range of investment options as well as tools to help you find the right funds for you
  • Excellent customer service, including a UK-based contact centre and through investment guidance on their website
  • You can get started with a minimum of £50 per month or £1,000 lump sum

Fidelity do not offer a ‘flexible’ ISA so any subscriptions that you make will count towards the annual limit. The amount subscribed will not be reduced if you make a subsequent withdrawal.

About Stocks and Shares ISAs

This sort of account provides you with a platform to invest from but would not normally be seen as an investment in its own right. With these kinds of accounts, you will be able to hold money and apply it towards investments such as property, funds, government bonds and corporate bonds as well as shares and stocks.

Generally, they are available as either self-select ISAs that allow you to invest directly into stocks and shares or as collective investment schemes. Many accounts will look after your investments for you, depending on a risk level that you have chosen, whereas others will allow you the freedom to choose yourself. This means anyone can get started in investing.

Stocks & shares ISA are referred to as ‘tax-efficient’ wrappers, as there isn’t any capital gains tax to be paid on gains made on investments held within the wrapper, although dividends do incur 10% income tax at source.

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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Latest News

Investment ISA Pros and Cons

7th August 2020

The tax-free returns offered by an Investment ISA (otherwise known as a Stocks and Shares ISA) can be very tempting at first glance - however, as with any investment, it is important to weigh up the pros and cons. So we've put together a list of what you need to consider before opening your own Stocks and Shares ISA account. 

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