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Fidelity Review

as of 16/10/2018 at 8:00 am

Holly's View

A good all-rounder. Fidelity is a big, solid, global brand which offers a decent service and a fair price. The website was improved quite considerably last year and there is nice supporting research and info available on the site. Customer service and people on the phones are good. Recent changes have improved share dealing and they are good on clarity of associated costs and charges.

Our Rating

Recommended For

Beginner Investor

Confident Investor

In a nutshell

Big, secure company

Good phone support

Recently improved website

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Based on 109 reviews

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What to Expect

Investment Choice

Products

Stocks and Shares ISA

Junior ISA

Investment Account

Pension

Investments available

Own brand funds

Funds from other groups

Investment help

Robo advice / ready-made portfolios

Includes a shortlist of investments

Pick your own funds

The 'Geeky' Details

Provider details

A safe, solid global player which has recently improved its website for investors. Recent changes include improved share dealing services and performance reporting.  If you have more than £7,500 the admin fee is 0.35% a year, so you’ll probably pay about 1.1% a year all-in (although depends on which investments you pick). If you have less than that you'll pay £45 a year for an ISA, which looks pricey for small portfolios.

Google their PathFinder range if you need help in picking the investments to sit inside your ISA or DIY SIPP. If you really want it drilled down they offer one ‘Greatest Hits’ simple fund – the Select 50 Balanced fund which is their investment ready meal for choice-haters! There are also loads of funds from other groups available.

They’ve added a new performance tool which compares your overall portfolio to a benchmark. It’s a nice thought – but they do use a proxy benchmark (for me it was UK large cap shares) which is a bit odd when I have a portfolio of lots of global funds too. I overlooked the nuance for now as I’m smashing it against the benchmark (!) but it feels a touch more gimmicky than useful?

Important Facts & Figures

Provider Size:

Large firm: administering £bns on behalf of investors and financial advisers

Minimum amounts: £50 minimum monthly amount
£100 minimum initial amount
12 month indicative performance:

A medium risk active fund returned 9.2% in 2017, after charges.

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