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About your workplace pension

About your workplace pension

About your workplace pension Overview
Getting started
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Getting started
Introducing workplace pensions How pensions are invested Auto-enrolment How contributions are made Costs and charges Your pension checklist
Welcome to Fidelity
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Welcome to Fidelity
About Fidelity, your pension manager Governance Sustainable Investing Diversity and Inclusion Master Trust
How to…
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How to…
Protect yourself online
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I want to…
Nominate my beneficiaries Review my retirement age Transfer a pension Download the app Check and update my contact details
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Grow & manage your pension

Grow & manage your pension

Grow & manage your pension Overview
Saving
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Saving
Starting out Building savings Thinking about retirement
Planning
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Planning
Check your financial health Plan your savings goals Check if I'm on track Maximise my contributions Pension allowances and tax
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Pension allowances and tax
Pension allowances and tax Overview Tax relief Lifetime allowance Annual allowance Money purchase annual allowance Tapered annual allowance Carry forward
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Investing
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Investing
How pensions are invested Investing basics What is a default investment? Deciding where to invest FutureWise Sustainable investing Have your say on ESG issues Guides
I want to…
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I want to…
Plan my savings goals Check if I'm on track Maximise my contributions Nominate my beneficiaries Review my retirement age Transfer a pension
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Access your pension

Access your pension

Access your pension Overview
Access your Pension
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Access your Pension
Flexible retirement planning Investing in retirement Investment Pathways Leaving your employer Pension allowances and tax
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Pension allowances and tax
Pension allowances and tax Overview Tax relief Lifetime allowance Annual allowance Money purchase annual allowance Tapered annual allowance Carry forward
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Your retirement income
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Your retirement income
Choosing income options Drawdown Taking lump sums Staying invested in retirement Taking tax-free cash
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I want to…
Budget for my retirement Plan my retirement income Withdraw money from my pension Contact Fidelity Check if I'm on track
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Your financial wellness

Your financial wellness

Your financial wellness Overview
Feel good with Fidelity
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Feel good with Fidelity
Understand your financial wellness Check your financial health Four steps to financial fitness Women and Money Life Moments
Useful information
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Useful information
Useful external links Guides Navigating uncertainty
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Tools & calculators

Our tools and calculators can help you work out how healthy your finances are today and how much you should be saving for tomorrow.

Important information - Please note that these guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to an authorised financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.

Our tools are designed to be easy to use, but the data and research that we use to develop them is detailed and thorough. To understand our tools, and your results, take a look at the ‘assumptions’ that each tool uses. Everyone’s situation is unique, and your circumstances might be different from these assumptions, the tools are a guide and not intended to be a personal recommendation.

Your path to financial wellness

Discover more with Fidelity’s Financial Wellness Tool

It’s easy to use – just answer a few simple questions about your finances and you’ll find out how you’re doing with budgeting, debt, savings and financial protection. It should only take five to ten minutes. We’ll then give you a score based on your answers, show you where you’re doing well and give your some actions you can take to help improve your score.

You can even download your score to see if you can beat it next time.

Get your financial wellness score now
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Are you on the right road to retirement?

Three quick tools to give you some simple ‘rules of thumb’. You’ll learn how much you need to retire, how much you should be saving each year, and how you can make your savings last. 

While the tools are simple to use, the research we’ve carried out analyses national income and expenditure rates and makes some general assumptions. The rules of thumb are easy to remember so you can apply them when you’re thinking about your retirement savings.

Get your retirement rules of thumb

Should you pay more into your pension?

Use the calculator to see how a small increase in your workplace pension contributions today can make a big difference to your pension pot tomorrow.

The power of small amounts
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The government's Pension Wise service offers free, impartial guidance to help you understand your options at retirement. You can access the guidance online or over the telephone on 0800 011 3797.

This information is not a personal recommendation for any particular investment, you are responsible for deciding whether an investment is suitable for you. In doing so, please remember that past performance is not a guide to future performance, the performance of funds 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. 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.
 

This website is issued by FIL Life Insurance Limited. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales No. 3406905, Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP. Fidelity, Fidelity International, the Fidelity International logo and the F symbol are trademarks of FIL Limited.

© FIL Limited 2023