Doing business with us

The type of plan the client holds

This will be shown on the statement and valuation

The start date

This will be shown on the statement and valuation

Illustrations or projections for a client's pension account

Your client can provide you with a copy of their annual benefit statement. We cannot provide you with this information

The initial amount invested

This will be shown on the statement and valuation

Details of any subsequent lump sums invested

This will be shown on the statement and valuation

Details of any regular contributions

This will be shown on the statement and valuation

The current valuation

This will be shown on the statement and valuation

The date of the valuation

This will be shown on the statement and valuation

Any withdrawals from the investment

This will be shown on the statement and valuation

The funds in the plan

This will be shown on the statement and valuation

A full transaction history

This will be shown on the statement and valuation

Current plan holders

This will be shown on the statement and valuation

The death benefit if different to the current value

This will be the same as the current value

The surrender value

This will be the same as the current value

The future guaranteed value

Not applicable to any of our products

Any guaranteed With Profits bonus rate

Not applicable to any of our products

The potential for future bonuses

Not applicable to any of our products

Any encashment penalties

Not applicable to any of our products

Any market value adjustment

Not applicable to any of our products

Any loyalty bonus payable under the contract

Not applicable to any of our products

Any guaranteed growth rate

Not applicable to any of our products

The remaining term of the policy

Not applicable to any of our products

The ability to change the lives assured

Not applicable to any of our products

Any exit penalties

Not applicable to any of our products

Any chargeable events

Not applicable to any of our products

Is internal fund switching allowed?

Yes

What is the total ongoing charge for each fund?

Please refer to the relevant factsheet for each fund. You can use our Investment Finder tool to find a fund. The fund factsheets will appear once a fund is chosen. 

Where can I find fund factsheets?

Please use our Investment Finder tool to find a fund. The fund factsheets will appear once a fund is chosen. 

Is it possible to transfer or re-register the account to a different provider?

It is possible to transfer from or to another provider as cash or in-specie (depending on the eligibility of the funds held). Please note any investment transferred as cash will remain out of the market during the transfer process.

What charges are applied to the account?

We charge a service fee of 0.25% per annum based on the value of the assets held with us. In addition, clients will pay an Investor Fee of £45 per annum payable in monthly instalments.

Further information relating to our charges

If your client is a Fidelity Personal Investing customer, they will pay an annual service fee based on the value of their investments. For investments below £7,500, this is a flat fee of £45. The service fee becomes tiered for investments over £7,500 and customers will typically pay 0.35%.

Please note that customers with a monthly Regular Savings Plan of £50 or over who have investments worth less than £7,500 will be charged just 0.35%.

What are the charges for switching?

We do not impose an additional fee for switching between mutual funds. A £1.50 charge applies when switching out of or into exchange traded investments.

Is there a bid/offer spread on your funds?

Bid/offer spreads apply only to our unit trust range and are a standard feature of this type of investment.

Are there any additional charges?

In addition to our charges, the client will pay annual ongoing fund charges relating to the underlying funds they are invested in.

When selling or buying exchange traded investments, a £3 charge will apply if the deal is placed through an intermediary or £10 if the client deals on their own behalf.