Fidelity Personal Investing
Fidelity is a global investment giant with a strong UK platform. The 0.35% SIPP fee is mid-range — cheaper than HL but more expensive than AJ Bell or Vanguard. Fidelity's strength is its proprietary research and fund range, including its own actively managed funds which have strong track records. No dealing charges on funds (only shares). The platform has a clean interface and good tools. Fidelity is a solid choice for investors who want a broad platform with strong research at a moderate cost — though for pure cost minimisation, Vanguard or ii are cheaper.
- +No fund dealing charges
- +Strong proprietary research
- +Wide fund range (3,000+)
- +Good mobile app
- –More expensive than Vanguard, ii, or AJ Bell
- –Share dealing charges apply
- –Not the cheapest for any pot size
- •Fees shown are platform fees only — you also pay fund-level charges (OCF) on top, which vary by fund choice.
- •Fee structures change without notice. Always verify the current fee on the provider's website before making any decision.
- •The cheapest provider is not necessarily the best fit — consider fund range, customer service, platform features, and the specific funds you want to hold.
- •Transferring a pension may involve exit fees, loss of guaranteed benefits, or loss of employer contributions. Check before you transfer.
- •This page is factual information based on published fee schedules, not a recommendation to use or avoid any provider.
- •If you're unsure which provider is right for you, speak to an FCA-regulated financial adviser.
This calculator provides estimates based on 2025/26 tax rates and is not financial advice. Scottish taxpayers are subject to different income tax rates and bands. The calculations assume your salary is your only source of income and do not account for benefits in kind or other taxable income.
For personalised guidance on your pension contributions, speak to an FCA-regulated financial adviser. You can find one via Unbiased or VouchedFor.