Fidelity SIPP investment options: funds, UK shares, investment trusts, ETFs, gilts, bonds and cash; Fidelity says property and US shares are not offered.

That list comes from Fidelity’s own SIPP FAQ, key features document (August 2026) and fund pages, read in October 2026. Anything you hold in a SIPP can fall in value as well as rise, so you may get back less than you put in. Weighing Fidelity funds against the rest of your retirement savings suits an FCA-authorised adviser, whose free phone call follows once your details reach them from the form on this page.

Which funds, shares and other investments can a Fidelity SIPP hold?

The FAQ puts it this way: “Fidelity’s SIPP allows you to invest in a wide range of funds, UK shares, investment trusts and exchange-traded funds (ETFs).” The key features document explains the building blocks. Funds are pooled: unit trusts and OEICs are UK-based, offshore funds are based abroad and follow the law of the country concerned, and a professional manager picks the underlying shares and bonds. Investment trusts are listed companies with a fixed number of shares. ETFs, ETNs and ETCs are bought and sold much like shares and typically track an index or commodity.

Part of the pot can also sit as cash within the account, which Fidelity says it does not charge a service fee on. For what cash earns, see SIPP cash interest. There is no stated limit: “You can hold any number of investments in your SIPP.”

One caution from the same document: “we do not recommend purchasing individual shares or other securities on their own, unless you already have a wide selection of other investments.” Offshore funds carry a further point, as complaints about non-UK fund providers are not covered by the Financial Ombudsman Service.

Ready-made and guided choices: Retirement Builder, Navigator and Select 50

For someone who does not want to pick holdings, Fidelity’s SIPP page sets out three levels of help. Retirement Builder is a single ready-made fund that aims for stable growth at medium risk; its page says it “currently invests in the Fidelity Multi Asset Allocator Growth Fund - Retirement Builder - Acc”, and that Fidelity may switch it to a different investment after a review, moving your money for you and contacting you when it does. The fund’s ongoing charge was shown as 0.20% on that page, taken from the fund and liable to change, with Fidelity’s service fee on top.

Navigator asks a few questions and shows a diversified fund to consider. Select 50 is a list of favourite funds chosen by Fidelity’s experts, including active and passive funds, investment trusts and ETFs, and reviewed every three months. Fidelity states that “Select 50 is not a personal recommendation to buy or sell funds”, and that a fund dropped from the list is not a signal to sell it.

The choices can be mixed. You do not have to put the whole SIPP into Retirement Builder, and can place the rest in other funds, shares or ETFs.

Fidelity SIPP shares, gilts and US shares

The FAQ names UK shares, and adds: “We don’t currently offer US or international shares when investing in our SIPP but other SIPP providers may differ.” Fidelity’s pension transfer page agrees: for now, US or international shares cannot be re-registered into the SIPP and are sold and moved across as cash. The August 2026 key features document does explain US share orders and foreign exchange charges on international shares, but it covers all of Fidelity’s personal accounts; for the SIPP itself, the FAQ and the transfer page are the specific word.

Gilts and corporate bonds can be held. The SIPP terms in the same document say: “You may invest into Open Ended Funds and Exchange Traded Products on our platform as well as Exchange Traded Instruments such as shares, gilts and Corporate Bonds.” The scheme Trustee has absolute discretion over whether any investment may be held, and a minimum investment amount may apply.

Can a Fidelity SIPP hold bitcoin or commercial property?

On property, the FAQ is direct: “You cannot invest your personal pension in property with Fidelity. Other providers may offer this.” Fidelity’s risk wording separately mentions property funds, so whether a given property fund is on the SIPP list is a fund-by-fund question for its Investment Finder tool. Commercial property bought directly is a specialist SIPP matter; what a SIPP is and how it works sets out the wider picture.

On bitcoin, the SIPP terms allow exchange-traded products on Fidelity’s platform, a group the key features document says includes exchange-traded notes (ETNs), with the Trustee deciding whether any investment may be held. Anyone curious about crypto-linked products can leave their number in the enquiry form and hear from an adviser, free, on whether one could sit in a Fidelity SIPP.

Does the type of investment change what you pay?

It changes whether dealing costs apply. Fidelity says: “We don't charge dealing fees on fund deals.” Shares, ETFs and investment trusts pay a fee on each deal, and buying UK shares adds 0.5% Stamp Duty. Fund managers set their own ongoing charges, which Fidelity says start from 0.05%.

Each dealing fee, the platform service fee and the cap that applies to exchange-traded holdings are in Fidelity SIPP fees; pension charges explained shows how they combine with fund costs.

Which holdings survive a transfer into the SIPP

On a re-registration transfer you can keep the same investments “as long as they're available on our platform”; an investment that cannot be re-registered moves as cash. Fidelity may also convert a fund into another share class on the way. For the process, read how to transfer a pension; for a wider view of the provider, see is the Fidelity SIPP good.

Fidelity SIPP fund list, pathways and other platforms

What are Fidelity’s Investment Pathways?

They are for money in a Pension Drawdown Account. Fidelity’s SIPP terms say each pathway invests in a Fidelity fund aimed at one of four 5-year goals, that the funds are reviewed and may be replaced, and that they are unique to the Fidelity SIPP, so on a move to another provider they would be sold and sent as cash.

Which funds are on the Fidelity SIPP fund list?

Fidelity’s Investment Finder lets you filter and compare funds and individual shares from Fidelity and other providers, and says it covers over 3,000 funds. The fund names on its SIPP page include Fidelity, Artemis, Fundsmith and Vanguard.

How does this compare with other platforms?

Each provider lists different holdings. See Vanguard, AJ Bell and Interactive Investor, or how to choose between SIPPs.

What suits you turns on your age, your other pensions and when you expect to draw income, and an adviser will cover all three, free, after you use the short enquiry form.