Stocks & Shares ISA Guide
Our guide has more detail on how you can use a Stocks & Shares ISA to achieve your savings goals and how we can help you choose your investments.
Download our guide
Welcome to Invest@Work - feel confident about your finances
Fidelity can help you save and invest for the future alongside your workplace pension. You can choose to invest directly, or set up through your payroll - making it easy to invest straight from your salary.
Important information: please keep in mind that the value of investments can go down as well as up, so you may get back less than you invest.
Open an account or link to an existing one
Our Invest@Work team is available six days a week and can answer any questions you may have. You can call them on 0800 368 0890.
New to Fidelity Personal Investing
First you’ll need to open an account. Choose the one that’s right for you today.
Already a Fidelity Personal Investing customer?
Start paying into an existing account from your salary. Or, you can open a new account.
Accounts available via payroll
- A tax-efficient way to hold a wide range of investments in a single account. Choose from mutual funds, exchange-traded funds (ETFs), investment trusts or individual stocks and shares. There is also the option to hold your money in cash temporarily until you decide where to invest it.
- Pay no tax on dividends, interest or capital gains.
- Take an income or make withdrawals whenever you want and it will all be tax free, though withdrawals will mean you lose that part of your £20,000 annual ISA allowance.
- Available to UK residents over the age of 18. US persons are unable to open an investment account with Fidelity International.
Employee compliance reporting
If you need to report details of your investments and your deals to your employer, we offer an automatic service which does it all for you.
All you need to do is open an account (or log in if you already have one) go to 'Employee compliance reporting' in the preference centre and enter the code given to you by your employer.
Your information will then be sent daily to your employer and include any new transactions or deals made that day.
If you sign up for employee compliance reporting, the discount will be applied automatically.
See how to set up reporting
Discounted service fees
Our service fee covers everything we offer. This includes our guidance tools, news and insights from industry experts, and our secure, easy-to-use investing platform.
Sign up with Invest@Work through your employer and take advantage of a reduced 0.30% service fee (usually 0.35%, but can be as low as 0.2%). When you invest from your salary you’ll be registered for the discount automatically.
If you don't want to invest from your salary you can choose to get the discount only on a new or existing account.
Service fee discount T&Cs See how to set up the discount only
What we offer
Whether you’re looking for a few investment ideas, or want to browse the full suite of everything we offer, we can help you get started.
Risks and things to consider
- Investing in funds or the stock market opens the opportunity for making your money work harder, but the value of investments can go down as well as up, so you might get back less than you invest.
- Investing tends to work better over the longer term (through the ups and downs of markets) so investing for 5 years and over improves your chances of better returns, although this isn't guaranteed.
Important information - Eligibility to invest in a Lifetime ISA, ISA or SIPP, and tax treatment depends on individual circumstances and all tax rules may change in the future. You cannot normally access money within a Lifetime ISA unless you are buying your first home, or from age 60. Other withdrawals may incur a 25% government withdrawal charge, so you may get back less than you put in. A Lifetime ISA is not a replacement for a workplace pension. If you save into a Lifetime ISA instead of enrolling into or contributing to a workplace pension, you could lose the benefit of employer contributions. The value of your Lifetime ISA could affect any current or future entitlement to means tested benefits. You can't normally access money in a pension until age 55 (57 from 2028). 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.
