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In this section

Open a Self-Invested Personal Pension (SIPP)
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. The minimum age you can normally access your pension savings is currently 55, and is due to rise to 57 on 6 April 2028, unless you have a lower protected pension age. It’s important to understand that pension transfers are a complex area and may not be suitable for everyone.
Opening a SIPP is straightforward
You'll need the following:
- Your National Insurance number
- Debit card details (if you'd like to make a single payment)
- Bank or building society details (if you'd like to set up a regular savings plan from as little as £20 a month)
Once you’ve opened your SIPP, you can then choose what investments you’d like to hold in your new account.
Transferring a pension to Fidelity
Bring an existing pension to Fidelity by going to our Transfer a Pension page to keep all your pensions in one place.
Important information: This information is not a personal recommendation for any particular investment. It’s important to understand that pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered. To find out what else you should consider before transferring, please read our transfer factsheet. If you are in any doubt whether or not a pension transfer is suitable for your circumstances we strongly recommend that you seek advice from an authorised financial adviser.
Ready to open your SIPP?
Select one of these options to get started. If you’re an existing customer, when you log in to open your SIPP, we’ll fill in your details so it’ll be easier for you.
Existing customer
New customer
Not sure if this is right for you? Learn more about Fidelity’s flexible, award-winning SIPP, which can help you to save for retirement with significant tax benefits.
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 is not yet certain that the Government will go ahead with its proposals as outlined.
Need help?
Call our UK & Ireland-based team
0800 41 41 61
Mon-Fri 8:30am-5.30pm & Sat 9am-12:30pmNot ready to open a SIPP?
Learn more about the award-winning Fidelity SIPP
Which account is right for you?
Choose your investments before opening an account
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 is not yet certain that the Government will go ahead with its proposals as outlined.
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Please remember that past performance is not necessarily a guide to future performance, the performance of investments is not guaranteed, and the value of your investments can go down as well as up, so you may get back less than you invest. When investments have particular tax features, these will depend on your personal circumstances and tax rules may change in the future. This website does not contain any personal recommendations for a particular course of action, service or product. You should regularly review your investment objectives and choices and, if you are unsure whether an investment is suitable for you, you should contact an authorised financial adviser. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document which contains important information about the fund.
This website is issued by Financial Administration Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA Register number 122169) and registered in England and Wales under company number 1629709 whose registered address is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.