Fidelity Wealth Service

Dear Investor,

New opportunities. The perfect property. The ideal retirement. Or maybe just the

freedom to make it up as you go along.

At Fidelity Wealth, we know every investor is different. We also recognise the

challenges that come with larger, more complex portfolios and focus our Wealth

Service on customers who have over £250,000 invested with us, including ISAs

and pensions. This means your Relationship Manager can dedicate time to

understanding your specific needs.

The result is a Wealth service with a unique approach that can give you the

guidance and support you need as you seek to grow your wealth.

Simon Gibbons,

Head of Wealth – Personal Investing

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The Wealth service has a lot to offer, but it all starts with your

personal Relationship Manager. It’s their job to be in tune with your

needs and to make sure you benefit from what we have to offer.

This means helping with everything from investment strategies and

account selection to fund performance and portfolio administration.

Just as importantly, they will be in regular contact and work with

you in the way that you want. Alternatively, if you prefer to take the

lead, they’ll simply be there whenever you have questions or need

more information.

Please note that your Relationship Manager can’t give personal

recommendations for any particular investment, so if you’d like this sort

of help, speak to a financial adviser. The value of investments can go

down as well as up and you may get back less than you invest.

Want to discuss what your Relationship Manager can do for you?

Call 0800 41 41 28 today to speak directly with the team.

Dedication01.

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We know that successful investing isn’t just

about the big decisions. That’s why we have

a dedicated support team alongside our

Relationship Managers to help you with the

day‑to‑day stuff – although they can also do the

heavy lifting if you want to make more extensive

changes to your holdings.

The support team are only ever a phone call

away and can handle everything from dealing on

your existing portfolio to opening a new account,

as well as any basic administration that needs

doing, such as changing an address or issuing a

tax certificate.

02. Ease

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The biggest advantage of our service is also one of the simplest.

It gives you truly great value.

Our Wealth service fee is just 0.20% (compared with Fidelity’s

standard charge of 0.35%) and it only applies to the first £1 million

you invest with us. We then have no additional charges for any

aspect of our service, including all the benefits of Fidelity Wealth.

Benefits can be found on page 23 of this brochure.

This means the only other costs you pay are those coming from

the companies that manage your chosen investments – and we’ve

negotiated discounts (in the form of either a rebate from the fund

manager or lower annual management charges) on many of the

options in our range, to help you get even more for your money.

Call 0800 41 41 28 today to discuss how much you could save.

03. Value

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It’s a lot easier to make confident decisions for the

future if you are well informed about what’s going on

at the moment. That’s why we bring together expertise

from across Fidelity, including our highly regarded

Investment Director Tom Stevenson and his team, to

give you timely views, insights and analysis.

These are published daily on our website, and sent out

in regular emails, so you get everything straight away.

You can read our latest articles right now at

fidelity.co.uk/insight

04. Insight

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If you’re looking after a large portfolio, there will be times

when you want to see the bigger picture. That’s why you’ll

receive a complimentary report each quarter that covers

all your investments with us.

As well as showing you how your funds are performing

and what changes you’ve made, it will analyse your

holdings so you can see how they fit together.

You’re welcome to discuss this report with your

Relationship Manager and we hope it will give you ideas

for your portfolio.

05. Understanding

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We know that when it comes to getting the latest

views and perspectives, nothing beats hearing directly

from an expert. That’s why we use all of Fidelity’s

reach and reputation to attract leading speakers from

across the investment world for the free events we host

throughout the year.

These are only open to members of the Wealth

service and they cover everything from regular forums

where top managers discuss their funds in detail to a

yearly outlook from Fidelity’s Chief Investment Officer

for equities. You can choose to attend in person, watch

live online or catch up later on our website.

To check out the speaker presentations from our latest

events, please visit fidelity.co.uk/seminars.

06. Experience

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We know you’re busy, so we’ve made sure you can have

access to your account and keep track of your investments

whenever and wherever you like.

Simply log in to your account on your PC, mobile or tablet.

The secure area of our website puts your latest account

valuations and fund performance at your fingertips,

providing full access to your portfolio and enabling you to

trade at any time that suits you.

You can check the latest performance of your portfolio,

and find information about your holdings, including an

analysis of their overall asset allocation and risk level.

Log in today at fidelity.co.uk

07. Access

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Our Share Dealing service will give you a straightforward way to buy a

range of investments. We will be building it up gradually and as part of

our phased launch, we have already added the majority of the shares

listed on FTSE 100, FTSE 250, FTSE 350, FTSE All Share Index, FTSE AIM

100 Index and some shares listed on ISEQ20. Soon we will also offer:

■ UK government bonds (gilts) and UK corporate bonds

■ Access to European shares through CREST Depository Interests (CDIs)

■ Additional Exchange Traded Funds (ETFs) and investment trusts

As a primarily online service, we charge just £10 a trade (plus any

market charges, such as stamp duty on investment trusts). The service

fee of just 0.20% (compared with Fidelity’s standard charge of 0.35%) as

described on page 9, is charged on your entire portfolio. However, for

the assets purchased via our Share Dealing service (exchange traded

instruments including investment trusts) there is no service fee when held

in a Fidelity Investment Account. If you hold these assets in a Fidelity

ISA or SIPP, the service fee for these assets is capped at £45 a year.

We hope to launch the additional investment options to our service

soon, so please keep an eye out for more information.

08. Shares and bonds

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We’ve used all of Fidelity’s investment expertise to make it as easy as possible for you to

choose funds. PathFinder helps you choose a multi‑asset fund based on what matters to you.

Alternatively, if you’d like a few more options, there’s our Select 50. The Select 50 is a

shortlist of our experts’ recommended funds, spread across eight easy‑to‑use categories.

Of course, you might prefer to do your own research. That’s why we offer funds from over

100 providers, plus investment trusts, exchange traded funds (ETFs) and even cash options.

Please remember that the Select 50 and PathFinder are not personal recommendations

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. Please note the

value of investments can go down as well as up and you may get back less than you invest.

Whatever approach you choose, we have a range of accounts for you to hold your funds in,

with ISAs and SIPPs – for adults or children – sitting alongside general investment accounts.

Call 0800 41 41 28 to discuss our range or explore the Select 50 at fidelity.co.uk/select

09. Choices

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When you’re making long‑term plans, you need to be sure the

company you choose will stay with you throughout the journey –

and have the resources to support you every step of the way.

Fidelity Wealth is part of Fidelity International. We are one of

the UK’s leading investment companies and, just as importantly,

have been independent from the day we were founded,

50 years ago. This gives us the freedom to make decisions in

investors’ long‑term interests, without worrying about how they’ll

be perceived by the shorter‑term attitudes of the City.

We are also one of the few companies that runs its own

investments and offers funds from other managers. This means

we have a detailed understanding of the investment world, as

well as connections throughout the industry.

10. Stability

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Whether you’re investing for a child’s future, managing

your tax exposure or simply keen for your spouse or

partner to make the most of their own investments, we

understand that an investment service is only doing

half a job if it applies just to your personal holdings.

That’s why Fidelity Wealth automatically extends all

its benefits, including the reduced service fee, to

everyone in your household who invests with Fidelity,

even if they don’t meet our minimum investment level.

This covers everything from your other half’s ISA to a

child’s Junior SIPP.

11. Sharing

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Fidelity Wealth is open to anyone with a portfolio of at least £250,000 and it offers an extensive range of benefits:

■ Your own Relationship Manager to

provide guidance when you need it

■ Dedicated team to support your trading

and administration

■ Great value from the moment you invest

to help you make the most of your money

■ Guidance tools to help with important

investment decisions

■ Access to your accounts whenever and

wherever you want

■ An in‑depth report every three months

that analyses your portfolio

■ Exclusive events with leading names from

across the industry

■ The latest insights and perspectives from

Fidelity’s experts

■ An extensive range of funds

and accounts

■ The same benefits for family members in

your household

It’s easy to join. Just call our team on 0800 41 41 28 to find out more.

The benefits at a glance

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Issued by Financial Administration Services Limited, authorised and regulated by the Financial Conduct Authority. Fidelity, Fidelity International, the Fidelity International Logo and F symbol are trademarks of FIL Limited. UKM0818/22437/CSO8849/0819/a1

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