Viewpoints

Our experts' current thinking on the financial markets, investing trends, and personal finance.

This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. The value of investments and the income from them can go down as well as up and investors may not get back the amount invested. The ideas and conclusions here do not necessarily reflect the views of Fidelity's portfolio managers and are for general interest only.

In perspectives

Our UK experts offer their insights into global markets and investing.

History tells us we are nowhere near the bottom

Understanding bear markets of the past

Tom Stevenson Tom Stevenson
01 Apr 2020

Oil industry’s day of reckoning is on the cards

When it comes to industry there are already obvious survivors, as well as a whole host of losers, as a direct result of the pandemic

Emma-Lou Montgomery Emma-Lou Montgomery
31 Mar 2020

Will Covid-19 change Chinese consumption?

Recovery could split sectors’ fortunes

Daniel Lane Daniel Lane
27 Mar 2020

Rapidly changing times increase the uncertainty

Businesses and economists struggle to keep up with the changing situation

Emma-Lou Montgomery Emma-Lou Montgomery
26 Mar 2020

Seven steps to investing through a crisis

How one manager Corona-proofed his portfolio

Tom Stevenson Tom Stevenson
25 Mar 2020

UK property fund suspensions

Valuation uncertainty triggers temporary measures

Daniel Lane Daniel Lane
24 Mar 2020

World’s attitude to public spending has shifted

Our response to recent events is like a bereavement

Tom Stevenson Tom Stevenson
24 Mar 2020

Three investment lessons from the coronavirus

Markets do, and will, recover

Tom Stevenson Tom Stevenson
23 Mar 2020

Protecting jobs is the Chancellor’s top priority

Dr Sunak prescribes emergency treatment for the economy

Ed Monk Ed Monk
23 Mar 2020

Keeping your pension income fit in market falls

Take these steps to give your pot the best chance of recovery

Ed Monk Ed Monk
20 Mar 2020

Chancellor and Bank of England pull out all the stops

Pound weakens and interest rates cut again as pandemic spreads

Emma-Lou Montgomery Emma-Lou Montgomery
20 Mar 2020

Mapping the post-virus future

It’s early days yet but history provides some guidance

Tom Stevenson Tom Stevenson
19 Mar 2020

Four reasons why markets will recover

Putting the current falls into perspective

Tom Stevenson Tom Stevenson
17 Mar 2020

Fed leads economic fight against Coronavirus

Market swings make the decision to sell fraught with danger

Ed Monk Ed Monk
16 Mar 2020

Coronavirus: calmness beats panic

Realism and optimism is the best approach

Ed Monk Ed Monk
13 Mar 2020

Three investment lessons from the coronavirus

Outbreak will have a significant impact on growth this year

Tom Stevenson Tom Stevenson
11 Mar 2020

Budget 2020: the economy, your pension and taxes

The new Chancellor delivers an assured performance

Tom Stevenson Tom Stevenson
11 Mar 2020

Oil woes add to the market turbulence

How can you keep a cool head when markets lose theirs?

Ed Monk Ed Monk
09 Mar 2020

House prices up but virus effect looms

Renewed interest from buyers and sellers in February

Daniel Lane Daniel Lane
06 Mar 2020

How to fight a virus

Markets are unimpressed by the Fed’s rate cut

Tom Stevenson Tom Stevenson
04 Mar 2020

Counting the cost of Coronavirus

Market movements should dampen as we learn more

Ed Monk Ed Monk
03 Mar 2020

UK inflation at six-month high

UK Inflation rose unexpectedly from 1.3% in December to 1.8% in January - the highest for six-months.

Jonathan Wright Jonathan Wright
20 Feb 2020

How to weather further storms in 2020

Investment opportunity exists when you know where to look

Emma-Lou Montgomery Emma-Lou Montgomery
10 Feb 2020

The final countdown to the UK’s EU exit

The 47 year relationship ends at 11pm tonight

Emma-Lou Montgomery Emma-Lou Montgomery
31 Jan 2020

Coronavirus: lessons learned from the past

We look at how the coronavirus outbreak might impact world markets

Graham Smith Graham Smith
30 Jan 2020

Google: a $1trillion empire built on a simple idea

Google’s parent company Alphabet passed the $1trillion market cap mark last week, further cementing tech’s place at the top of the global business tree.

Ed Monk Ed Monk
21 Jan 2020

2019 - the year the environment went mainstream

Record year for renewables in the UK

Jonathan Wright Jonathan Wright
23 Dec 2019

Unemployment rate at 44 year low

Employers have continued to hire despite Brexit uncertainty

Jonathan Wright Jonathan Wright
18 Dec 2019

Johnson cancels honeymoon

Cliff-edge Brexit is back on the radar

Tom Stevenson Tom Stevenson
17 Dec 2019

What investors know now the election is over - and what they don’t

Did you get what you wanted from the Christmas election?

Ed Monk Ed Monk
13 Dec 2019

Election result: what you need to know

Big Conservative majority reshapes the political landscape

Tom Stevenson Tom Stevenson
13 Dec 2019

‘Point of no return’ as climate change crisis heats up

World leaders and climate change experts meet amid growing need for action

Emma-Lou Montgomery Emma-Lou Montgomery
03 Dec 2019

Con majority: winners and losers

Latest polling points to a decisive Tory win

Tom Stevenson Tom Stevenson
28 Nov 2019

Whoever you vote for this election, Britain is going green

The risk of voter fatigue as Britain heads to the polls next month looks low right now, even as voters prepare for a third general election inside five years.

Graham Smith Graham Smith
27 Nov 2019

Markets shrug off Labour’s manifesto

Subdued reaction says one of two things

Ed Monk Ed Monk
26 Nov 2019

Conservatives pin hopes on ‘safety first’ tax plans

Tories’ timid plans on tax and spending draw a clear dividing line with Labour

Ed Monk Ed Monk
25 Nov 2019

Labour’s radical manifesto

What could a Labour government mean for investors?

Jonathan Wright Jonathan Wright
22 Nov 2019

Labour’s economic plans: a preview

John McDonnell’s speech trails key manifesto measures

Tom Stevenson Tom Stevenson
21 Nov 2019

Election 2019: preparing for a new era in politics

While the waves didn’t exactly part for them this week, the chances of electoral success for the Conservatives at next month’s general election certainly seemed to improve.

Graham Smith Graham Smith
15 Nov 2019

Recession off the cards as markets look on bright side

Economic growth is slowing but no one told investors

Ed Monk Ed Monk
11 Nov 2019

Election 2019: more uncertainty

Investors are unlikely to get the clarity they crave

Tom Stevenson Tom Stevenson
30 Oct 2019

What will a general election mean for markets?

The effect of elections over the last 30 years

Tom Stevenson Tom Stevenson
29 Oct 2019

Don’t be caught by state pension delays

A large group of women born in the 1950s were recently given the bad news that their efforts to fight delays in their state pension have been rejected by the High Court.

Ed Monk Ed Monk
23 Oct 2019

Look beyond the headlines for Brexit impact

If you don’t like the current headlines about Brexit, just wait a few minutes.

Ed Monk Ed Monk
22 Oct 2019

House prices still feeling Brexit pressure

With only a matter of weeks to go until the UK’s scheduled departure from the EU, uncertainty over the nature of the withdrawal is keeping a cap on the nation’s house prices.

Daniel Lane Daniel Lane
17 Oct 2019

I’m turning 30, here’s how I’m planning for the long term

What you can do now to help your future self

Daniel Lane Daniel Lane
29 Aug 2019

Adult children stuck in the nest

ONS survey shows the challenges facing young people

Daniel Lane Daniel Lane
21 Feb 2019

What if Brexit is called off?

Preparing for all eventualities

Graham Smith Graham Smith
20 Feb 2019

Jobs and wages boost

But should UK investors care?

Tom Stevenson Tom Stevenson
19 Feb 2019

The Brexit Budget

The Chancellor plays a limited hand with skill

Tom Stevenson Tom Stevenson
29 Oct 2018

Inflation: has it peaked?

Rising prices add to the UK’s woes but the worst may now be over

Tom Stevenson Tom Stevenson
15 Nov 2017

Wage growth falls - again

Stagnating pay packets bring little Christmas cheer for consumers

Maike Currie Maike Currie
15 Nov 2017

Equal pay, equal pensions

The spending power of China’s consumers

Maike Currie Maike Currie
10 Nov 2017

Retailers: time for some Christmas cheer?

Squeezed UK shoppers reduce their spending

Maike Currie Maike Currie
07 Nov 2017

Black Monday: 30 years on

There are some parallels but no reason to expect a repeat of 1987.

Tom Stevenson Tom Stevenson
18 Oct 2017

Earnings season: what’s in store?

Investors look through hurricane impact.

Tom Stevenson Tom Stevenson
12 Oct 2017

Retirement

Whether you’re just starting to save, thinking about how to take money out of your pension, or working out how to make your income last, our UK experts offer their insights into the ever changing world of pensions.

Avoiding the Pension panic

Eight top tips to help you manage your pension during these turbulent time

Maike Currie Maike Currie
02 Apr 2020

Considerations if you have 10 years until retirement

With a decade to go until retirement, many people will begin to visualise their life beyond work.

Ed Monk Ed Monk
25 Mar 2020

Four considerations for those nearing retirement

No-one is enjoying the Coronavirus or the impact it is having on financial markets.

Tom Stevenson Tom Stevenson
23 Mar 2020

A Budget pension boost for high-earners

Fewer people will be caught in the Tapered Annual Allowance

Ed Monk Ed Monk
11 Mar 2020

Will the Chancellor limit tax relief on pensions in the Budget?

With the Budget approaching this month, we look at how you can make the most of the system as it stands.

Ed Monk Ed Monk
27 Feb 2020

Is a pension tax grab really on its way?

Tax relief on pension contributions is reportedly in The Treasury’s crosshairs

Ed Monk Ed Monk
18 Feb 2020

Is a 10% rate of IHT on its way?

MPs have proposed an overhaul to inheritance tax

Ed Monk Ed Monk
03 Feb 2020

Earn more than £110k? A tax break could be on its way

High-earners could be handed a pension tax cut in the upcoming Budget in March, according to recent reports.

Ed Monk Ed Monk
20 Jan 2020

Labour’s £15,380 pension promise to women

Pensions have become a key battleground in the election campaign following the Labour manifesto promise to compensate women who have lost out as a result of changes to the state pension age.

Ed Monk Ed Monk
27 Nov 2019

How does your retirement income compare to the state pension?

Putting retirement income into perspective

Financial Wellness Financial Wellness
25 Sep 2019

Which gifts to family are caught by Inheritance Tax?

Wanting to give money to children is a natural instinct for many families.

Ed Monk Ed Monk
17 Sep 2019

Could you work until age 75?

How do you picture your life at age 75? Whatever it looks like, I’ll bet it doesn’t include getting up and going to work.

Ed Monk Ed Monk
12 Sep 2019

What happens to my pension when I die?

An overview of pension inheritance.

Ed Monk Ed Monk
04 Jun 2019

Taxman takes more in ‘Death Tax’

But there may be ways to avoid it

Ed Monk Ed Monk
29 Apr 2019

Why you may soon be paying more into a pension

Changes to auto-enrolment may up your contributions

Ed Monk Ed Monk
21 Feb 2019

Pensions Dashboard – your retirement plans at your fingertips

Do you know how much is in your pension right now?

Ed Monk Ed Monk
07 Dec 2018

Is your retirement income on target?

Our new tools provide a deeper look at your saving

Ed Monk Ed Monk
28 Nov 2018

Have you checked when you’ll get your State Pension?

Some women born in the 1950s have been left waiting

Ed Monk Ed Monk
21 Nov 2018

Avoiding 'emergency' tax on pensions

Reclaiming tax means waiting for cash

Ed Monk Ed Monk
13 Nov 2018

Will the Budget target tax relief on pensions?

Perks that help the rich may be reduced

Ed Monk Ed Monk
25 Oct 2018

Pension transfers in the spotlight

Regulators are concerned about those giving up 'final salary' schemes

Ed Monk Ed Monk
17 Oct 2018

Pension limits: a secret tax grab

New figures show thousands sleepwalking into extra tax

Ed Monk Ed Monk
16 Oct 2018

Pension scams: £91,000 gone in a second

Shocking new crime statistic

Ed Monk Ed Monk
16 Oct 2018

More of us are saving - but saving less

Why amounts being saved are falling

Ed Monk Ed Monk
01 Oct 2018

Should you pay for retirement advice?

Six questions to ask

Ed Monk Ed Monk
13 Jun 2018

The 1% challenge: look out for Future You

A new Fidelity tool shows the power…

Ed Monk Ed Monk
29 Apr 2018

Pension drawdown or ISA? Which to take first

Managing your retirement Income

Ed Monk Ed Monk
23 Apr 2018

Under 50? Your state pension is being squeezed

A worrying update on National Insurance

Ed Monk Ed Monk
25 Jan 2018

Self-employed left behind on pensions

The Government scheme helping millions is out of the reach

Ed Monk Ed Monk
08 Jan 2018

A £1,165 pension injection for just £520

Opting out of pension saving may be more costly than you think

Ed Monk Ed Monk
14 Dec 2017

Don’t underestimate the very old

Increasing life-expectancy is changing what the world looks like.

Ed Monk Ed Monk
19 Nov 2017

Why you’re not too young to start a pension

How to use youth to your advantage

Emma-Lou Montgomery Emma-Lou Montgomery
10 Nov 2017

Why tomorrow's pensioners should toast this Nobel prize winner

‘Nudge’ theory has created millions more pension savers.

Ed Monk Ed Monk
13 Oct 2017

Pension saving to keep more Child Benefit

Some parents can claw back lost Child Benefit if they save more for retirement.

Ed Monk Ed Monk
21 Sep 2017

Credit crunch 10 years on - the hidden cost of the crisis

The impact on those reaching retirement today

Ed Monk Ed Monk
31 Aug 2017

Children of the 70s made to wait for their pension

A faster rise in the state pension age has been confirmed.

Ed Monk Ed Monk
20 Jul 2017