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Fidelity ISA Review

Fidelity ISA Review

Is "Fidelity" The Best Place For Your ISA?

Fidelity offer a wide variety of different kinds of funds for your ISA, helping you make the most of your tax-free allowance. We’ve looked at various different aspects of the provider to help you decide if it is right for you. 

Investment Fund Supermarket ISAs

Stocks & Shares ISA

from Fidelity

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK, plus shares, investment trusts and exchange-traded funds. There’s also expert guidance to help with your investment decisions, which includes a selection of tools and insights from Fidelity’s experts. Capital at risk. Tax and ISA rules apply.
  • Invest From: £25 through regular savings or £1,000 lump sum

Why we like it: Fidelity has lots of investment options, plus an extensive range of guidance tools to help you decide what to invest in. Their award-winning ISA is easy to start and offers great value, their a typical service fee of just 0.35%. Other ongoing charges apply. On top of that, everything is backed by Fidelity’s 50 years of investment experience.

Important: The value of investments can go down as well as up so you may get back less than you invest. 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.

Tax treatment depends on individual circumstances and all tax rules may change in the future.

Fidelity ETFs

from Fidelity

Allows ISA Transfers
  • Fund Choice: Fidelity offer Over 140 providers with over 4,000 investment options
  • Invest From: £25 pm

Why we like it: Pay £10 for buying or selling an ETF online and £1.50 for buys as part of a regular savings plan and for dividend re-investments. Fidelity's standard service fee of just 0.35% applies when you have over £7,500 invested or if you have a regular savings plan. This is capped at £45 for ETFs, and ETFs held in an Investment Account do not incur a service fee.

Important information - please keep in mind that the value of investments can fall as well as rise, so you may get back less than you invest. 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.

Junior ISAs

Junior Stocks & Shares ISA

from Fidelity

Regular Savings
  • Investment Options: Over 4,000 investment options, including funds, shares, investment trusts and exchange-traded funds

Why we like it: Fidelity’s guidance service makes it easy to find investment ideas for your child’s savings, plus Fidelity don’t charge a service fee on junior accounts meaning you keep more of your investment for your child. Ongoing fund charges and other fees may apply.

Important: The value of investments can go down as well as up so you may get back less than you invest. The value of tax savings and eligibility to invest in a Junior ISA depend on personal circumstances. All tax rules may change in future. Withdrawals from a Junior ISA will not be possible until the child reaches age 18. 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.

Charges:

  • Comprehensive fee banding 
  • A fee of 0.35% if you invest £7,500 or less 
  • For accounts holding between £7,500 and £250,000 the fee is 0.35% 
  • For accounts holding more than £25,000 but less than £1 million, the fee is 0.20%
  • On account of £1 million or over will pay a maximum of £2000 per year
  • You can open an account from £50 
  • There is no current service fee on cash within an account

Fund Choice

Fidelity boasts a wide variety and a long list of possible. These include:

  • Over 3,000 funds available to choose from
  • UK based shares 
  • Both investment trusts and exchange-traded funds 
  • Expert sources to support your investment solutions

Customer service

The customer service features of Fidelity as a platform include:

  • Online inquiries
  • Telephone support 
  • A bricks-and-mortar Investor Centre in Central London

Research & tools available

Fidelity's website has lots of helpful resources to support prospective investors, including: 

  • Their website is full of lots of helpful information, including a "Guidance and tools" section.
  • This includes guidance about investing in general, as well as how to choose an account
  • "Invest for Life" video resources

Is "Fidelity" The Best Place For Your Child's Junior ISA?

For this tax year (2020/2021) you can invest up to £9,000 in a tax-free wrapper for your child’s future in a Junior ISA.

If you’re looking to set up a JISA (Junior ISA) at Fidelity, then you need to know what costs, choice, customer service and research tools you can expect to get by going with this provider.

Charges

The charges associated with a JISA at Fidelity are:

  • A fee for exchange traded investments, there is a cap on the fee of £45 
  • On investments less than £7,500, the fee is 0.35% 
  • On investments of £7,500 - £250,000 is 0.35% 
  • On investments between £250,000 - £1 million is 0.20% 
  • On investments more than £1 million is 0.20%, capped at £2,000 per year.
  • Some funds may have specific charges like bid-offer spread, performance fees or fund manager fees

Fund Choice

In terms of fund choices, much like the standard ISA, you can choose from:

  • Over 3000 funds, so you have plenty of options
  • Many UK options 
  • Investment trusts
  • Exchange-traded funds (ETFs)

Customer service

The customer service for JISAs is the same as the customer service provided for general ISAs. They also provide FAQs specifically tailored to the JISA product, so you can look there for information. This also includes Investment ideas, which can be helpful for a first-time investor.

Research & tools available

Fidelity has a page on their website specifically dedicated to JISA accounts, which contains lots of information you may want to look at before opening a JISA with this provider. This includes:

  • Their charges
  • Investment options
  • Contact information
  • FAQs

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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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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Good advice and professional approach

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