Open a Fidelity SIPP
Open a Fidelity SIPP and start a regular savings plan from as little as £25. Save more with our low costs, no hidden fees or charges and no additional fees to switch or exit.
Important information - the value of investments can go down as well as up so you may not get back what you invest. Eligibility to invest in a SIPP and tax treatment depends on personal circumstances and all tax rules may change in the future. You can't normally access money in a SIPP until age 55.
Our SIPP at a glance
- Expert guidance to help you invest your savings
- One low cost service fee – our typical fee is just 0.35%* - ongoing fund charges also apply
- 24/7 access via our online Account Management system
- Great service – from our UK & Ireland based phones team through to investment guidance on our website
- A regular savings plan from as little as £25.
* The service fee is based on the value of all your investments. More information on our service fee tiers and charging can be found here.
If you were born after 5th April 1973 and plan to take your pension before you turn 57, please read this important notice about proposed changes to the retirement age.
Open my SIPP
Important notice about the proposed protected age for pension benefits
The minimum age that most customers can access their pension benefits is currently age 55, however, the Government is proposing to increase this to 57 from 6th April 2028. The Government has outlined its proposals in a consultation document which can be found here.
In the consultation the Government proposes that existing pension members, as at 11th February 2021, can have their retirement age of 55 protected for pension benefits in that particular scheme.
When a customer transfers their pension to or from another scheme the current proposals state that the protected retirement age would be lost.
In addition to this, customers who will be 55 after 6th April 2028, and open a pension after the 11th February 2021, could have to wait until they are at least 57 before accessing their pension savings without incurring additional tax charges (unless they are taking their pension due to ill-health).
As this is a consultation, it is not yet certain that the Government will go ahead with its proposals as outlined.
Important notice: The Government is consulting on potential changes to the age when you can access your pension.
The Government is proposing to increase the age you can access your pension from 55 to 57.
The proposal says that anything you‘ve saved in a pension as of 11 February 2021, you can still receive at age 55. However, if you transfer your pension elsewhere, you will have to wait until 57. Customers who will be 55 after 6th April 2028, and open a pension after the 11th February 2021, could have to wait until they are at least 57 before accessing their pension savings without incurring additional tax charges (unless they are taking their pension due to ill-health). This is still a proposal and it’s not yet certain if it will go ahead as outlined. You can read the proposal here.
