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Fidelity Personal Investing pension fees and charges

Product record reviewed: 2026-04-29 · Fee schedule checked: 2026-09-11 · Source: provider fee page

For funds in a Fidelity Personal Investing SIPP, exactly £25,000 invested costs £87.50 a year in service fees. From £250,000, the 0.20% rate applies to the whole balance: £250,000 × 0.20% = £500 a year, not £875. Below £25,000, the fee is £90 a year without a regular savings plan, or 0.35% with one. Fund costs are additional. These examples assume a constant invested balance and no other Fidelity accounts; Fidelity uses your total eligible investments to set the rate. Exchange-traded investments have a separate £90 annual service-fee cap.

Fee model
Funds: 0.35% from £25,000 to below £250,000; 0.20% on the whole balance from £250,000, capped at £2,000/year. Below £25,000: £90/year without a regular savings plan, or 0.35% with one
Tiered percentage (whole-pot) · SIPP available · Workplace available
Annual representative charge by pot size
£25,000 pot
£88/yr
0.35% effective
£50,000 pot
£175/yr
0.35% effective
£100,000 pot
£350/yr
0.35% effective
£250,000 pot
£500/yr
0.20% effective
£500,000 pot
£1,000/yr
0.20% effective
£1,000,000 pot
£2,000/yr
0.20% effective
Annual figures displayed to the nearest pound. Representative provider/platform charge. Fund charges and adviser charges may be additional unless the provider note says they are included: Varies by investment; check the selected fund’s current charges
Note: Fees shown apply to funds. Pots under £25k pay £7.50/month (£90/yr) unless contributing via a regular savings plan, in which case the 0.35% rate applies. The 0.2% rate from £250k applies to the whole pot, not just the excess. For shares, ETFs and investment trusts, the service fee is capped at £7.50/month (£90/year). Share/ETF/investment trust dealing: £7.50 online, £1.50 regular savings/dividend reinvestment, £30 phone. The Service Fee is capped at £2,000/yr — pots above £1M pay 0% on the excess.

Fidelity Personal Investing charges separately for its service and the investments held. The representative table uses funds: at £250,000, the service-fee rate falls to 0.20% on the whole eligible balance. This differs from a marginal tier that discounts only the amount above a threshold. Exchange-traded investments have a separate service-fee cap and dealing charges. Workplace and adviser arrangements may use different schedules. Comparing the total cost requires the relevant product, holdings and transactions, as well as the headline fee.

Strengths
  • +No dealing charge on fund trades
  • +Whole-balance service-fee reduction from £250,000
  • +Service fee capped at £2,000/year for funds
Limitations
  • –Fund costs are additional
  • –Share dealing charges apply
  • –Below £25,000, a regular savings plan affects the service fee
Details
Fund range3,000+ funds, ETFs, investment trusts, shares
Minimum investment£1,000 lump sum or £25/month
Typical fund OCFVaries by investment; check the selected fund’s current charges
SIPP/direct pensionSIPP available
Compare Fidelity pension fees with
Fidelity vs HLFidelity vs VanguardFidelity vs iiFidelity vs AJ BellFidelity vs PensionBeeFidelity vs InvestEngine
Fidelity pension fees FAQ

What are Fidelity Personal Investing pension charges in 2026?

For funds in a Fidelity Personal Investing SIPP, exactly £25,000 invested costs £87.50 a year in service fees. From £250,000, the 0.20% rate applies to the whole balance: £250,000 × 0.20% = £500 a year, not £875. Below £25,000, the fee is £90 a year without a regular savings plan, or 0.35% with one. Fund costs are additional. These examples assume a constant invested balance and no other Fidelity accounts; Fidelity uses your total eligible investments to set the rate. Exchange-traded investments have a separate £90 annual service-fee cap.

All providers
HLVanguardiiAJ BellPensionBeeFidelityAvivaNESTInvestEngineNutmegRoyal LondonSc. WidowsStd LifeL&GAegon
Things to consider
  • •Fees shown are representative provider, platform or admin charges. Some rows are platform/admin fees only; Royal London's Governed Range AMC includes Royal London fund management.
  • •Fee structures change without notice. Always verify the current fee on the provider's website before making any decision.
  • •The lowest headline fee is only one comparison point. Fund range, service, platform features, investment choice, adviser access, and product restrictions also matter.
  • •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.
  • •For personal recommendations, speak to an FCA-regulated financial adviser and check the FCA register.
This provider comparison is general information based on published charge schedules, not financial advice or a personal recommendation. Verify current fees and product terms with the provider and check FCA authorisation before acting.