Fidelity stock plan services llc что это
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FIDELITY STOCK PLAN SERVICES UK LIMITED
Company number 02709979
- Company Overview for FIDELITY STOCK PLAN SERVICES UK LIMITED (02709979)
- Filing history for FIDELITY STOCK PLAN SERVICES UK LIMITED (02709979)
- People for FIDELITY STOCK PLAN SERVICES UK LIMITED (02709979)
- More for FIDELITY STOCK PLAN SERVICES UK LIMITED (02709979)
Registered office address 54 Portland Place, London, England, W1B 1DY
Company status Active
Company type Private limited Company Incorporated on 27 April 1992
Accounts
Next accounts made up to 31 December 2023
due by 30 September 2024
Last accounts made up to 31 December 2022
Confirmation statement
Next statement date 27 April 2024
due by 11 May 2024
Last statement dated 27 April 2023
Nature of business (SIC)
- 82990 — Other business support service activities not elsewhere classified
Previous company names
| Name | Period |
|---|---|
| FIDELITY MANAGEMENT & RESEARCH (UK) LIMITED | 14 Mar 2014 — 11 Jun 2017 |
| FMR INVESTMENT MANAGEMENT (UK) LIMITED | 10 Jan 2013 — 14 Mar 2014 |
| FIDELITY MANAGEMENT & RESEARCH (U.K.) LIMITED | 08 Jun 1992 — 10 Jan 2013 |
| BELLADALE LIMITED | 27 Apr 1992 — 08 Jun 1992 |
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Transfer your US stock plan shares held with Fidelity SPS
Bring over your Stock Plan Account shares held in the US with Fidelity Stock Plan Services (SPS) and keep them as they are or diversify and choose from a wide range of investment products and services.
Important information — please keep in mind that the value of investments can go down as well as up, so you may get back less than you invest.
- Transfer stock plan shares
- Fees and charges
Changes to Fidelity’s service fee
ISA, SIPP and Investment Accounts
- On or around 1 September, we will start collecting the service fee on your accounts on the 1st of every month (currently the 15th).
- In September we will automatically open a Cash Management Account for you (if you do not already have one) and we will collect service fees from that account from 1 October onwards. This excludes joint Investment Accounts.
- If there is insufficient cash held in the Cash Management Account, the outstanding fee balance will be taken from the relevant accounts in the same way as it is today.
- The Cash Management Account also gives you the ability to hold cash outside of your other accounts, and to freely move cash around from one account to another (depending on individual account restrictions and allowances).
We’ll be in touch with all of our customers to inform you of these changes formally, or to find out more now, you can read our Doing Business With Fidelity document.
Our service fee
We believe in giving you great value, so we charge an annual service fee, payable monthly, based on the total value of your investments, this means you pay the lowest rate possible. We do not charge a service fee on exchange-traded investments held in an Investment Account, Junior ISA and Junior SIPP accounts, or on cash you hold.
What’s more, we will give you a Cash Management Account that is separate from your other accounts. Any fees due will be collected from any cash held there, before we look to take money or sell from investments held in other accounts, for example your Investment Account.
And did we mention all the award-winning guidance, on-the-go access and support with investing you get? That’s all included.
Your US Stock Plan Account shares
If you transfer your US shares from your Fidelity Stock Plan Account and do nothing else, you’ll incur no service fee on your Investment Account as it holds exchange-traded investments.
However, if you decide to transfer and diversify your investments, these are our share dealing charges and service fee rates:
- If you transfer from your US Stock Plan Account and trade any of your exchange-traded investments, in your Investment Account, we’ll charge £7.50 per trade for online deals (£30 for phone deals) plus up to 0.75% FX fee.
- We charge £1.50 for deals as part of a regular savings plan, or for a reinvestment of a dividend.
- If you buy funds in your Investment Account — even if you still hold some shares, then a service fee will apply as set out in the table below.
- Once you’ve transferred, if you move your money into an ISA or SIPP, or have other accounts as well as your Investment Account, we’ll charge a service fee on those accounts.
The table below shows how our service fee (where applicable) changes as your investments increase.
Please read the Doing Business with Fidelity document for more detail on our fees and charges.
| Value of investments | Service fee (annual amount or %) |
|---|---|
| Less than £25,000 | 0.35% if you have a regular savings plan or £90 (£7.50 a month) if you don’t |
| £25,000 or more but less than £250,000 | 0.35% |
| £250,000 or more but less than £1 million | 0.20% |
| £1 million+ | 0.20% a year for the first £1 million and no service fee for investments over £1 million. This means the maximum fee you will ever pay for all of your personal accounts is £2,000 a year. |
The same service fee is charged across all of your investments. So, if you hold £300,000 — the fee would be 0.20% across the full amount. For exchange-traded instruments, this portion of the fee is capped at £90 (£7.50 a month) and there is no service fee for these investments when held in the Fidelity Investment Account. There’s also no fee for investments held in a Junior ISA or Junior SIPP.
Investment charges set by companies managing your funds
Ongoing fund charges are set by the companies who manage the funds and start from 0.05%.
Some funds may also have:
- a bid-offer spread, which is effectively a charge applied when you buy or sell
- a performance fee
- a fund manager buy or sell charge
We’ve negotiated discounted ongoing charges on hundreds of funds on our platform. We recommend checking each investment’s factsheet for more information, as investment charges can differ between funds.
Share dealing and other charges
- As we’ve mentioned above, there is a charge made for each buy and sell transaction you place (including switches and dividend reinvestments). This will be deducted from the amount invested or raised through a sale.
- £1.50 for deals as part of a regular savings or withdrawal plan, or for a reinvestment of income or a dividend.
- Simple charge of £7.50 for each deal placed online
- Phone trades are charged £30.00 for each deal.
- UK Stamp Duty of 0.5% applies when you buy UK shares
- Irish Stamp Duty of 1.0% applies when you buy Irish shares
- In certain circumstances UK Panel of Takeovers and Mergers levy of £1 applies on UK share deals of over £10,000. See T&Cs for details.
- In certain circumstances Irish Takeover Panel levy of €1.25 applies on Irish share deals of over €12,500. See T&Cs for details.
Download the Doing Business with Fidelity document for more fees and charges information.
Service fee charges on SIPP cash
Cash in the Fidelity SIPP is currently held as ‘cash within your account’.
We currently don’t charge a service fee on cash within your account. However, we reserve the right to retain an amount of the interest received from the bank(s) we deposit your money with to cover the cost of administering these cash balances. Please go to www.fidelity.co.uk/cash for further details.
How and when we take our fee
Individual accounts
We deduct your service fee around the 1st of every month. This is calculated based on the total value of your investments held over the previous month.
If you hold any joint accounts we include them when we are adding up all of your investments to work out what service fee you pay. This ensures that you will pay the lowest possible rate.
The total value is then divided by 12 to determine the monthly amount that’s taken from your individual account.
When you pay service fees, they are always taken from your Cash Management Account.
- If you have cash in there, we will take your fees from this cash. This helps protect any tax-wrapped ISA and SIPP investments you may have, as it allows you to pay these fees from separate cash.
- If you don’t have enough cash in there, we will sell from your investments to make up the outstanding balance and transfer that to the Cash Management Account. When we do this, we have a hierarchy and start by selling from your largest investment by value and by asset class. This means for example we would take the fee from the largest fund before we take it from an exchange-traded fund or investment trust.
Joint accounts
Currently, you’re only able to transfer investments from your US Stock Plan Account into a single Investment Account. However, when we open up this service to joint accounts, we’ll deduct your service fee around the 1st of every month. This is calculated based on the total value of your investments held over the previous month.
If you hold any other accounts outside of your joint account, we do not include them when we are adding up your investments to work out what service fee you pay. The service fee payable on a joint account is calculated on that account only.
The total value is divided by 12 to determine the monthly amount that’s taken from your joint accounts.
When you pay service fees, they are always taken from your Cash Management Account.
- If you have cash in there, we will take your fees from this cash. This helps protect any tax-wrapped ISA and SIPP investments you may have, as it allows you to pay these fees from separate cash.
- If you don’t have enough cash in there, we will sell from your investments to make up the outstanding balance and transfer that to the Cash Management Account. When we do this, we have a hierarchy and start by selling from your largest investment by value and by asset class. This means for example we would take the fee from the largest fund before we take it from an exchange-traded fund or investment trust.
In most cases, this won’t make any difference to what you pay, as taking 0.35% from two accounts separately is the same as taking 0.35% from the accounts added together.
However, if you hold £15,000 in an individual account (such as an ISA) and £15,000 in a joint account then you’d pay the 0.35% service fee on the individual account (as the total value of investments is over £25,000 [£15,000+£15,000=£30,000]) plus the £90 (£7.50 a month) a year fee on the joint account (as it’s below £25,000) — unless the joint account has a monthly regular savings plan of at least £25.
Putting it into practice
Here are some scenarios, for illustrative purposes only, that show how we would calculate the service fee you would be charged. If you have less than £25,000 in total there will be a flat fee of £90 (£7.50 a month) a year, although this changes to 0.35% if you have a monthly regular savings plan (RSP). We will usually collect this fee in arrears in monthly instalments of £7.50. Remember, there are no fees charged on junior accounts or on exchange-traded investments held in an Investment Account.
Examples of what service fee you could pay
Amount invested Annual service fees with monthly RSP Annual service fees without monthly RSP £5,000 £17.50 (0.35%) £90 (£7.50 a month) £24,999 £87.49 (0.35%) £90 (£7.50 a month) £25,000 £87.50 (0.35%) £55,000 £192.50 (0.35%) £100,000 £350.00 (0.35%) £249,999 £874.99 (0.35%) £250,000 £500.00 (0.2%) These fees do not apply to customers using an adviser please see below.
Fidelity fees if you also use an adviser
The fees mentioned above are for investments held directly with Fidelity.
If you hold some investments through a financial adviser, then the charges will be different from the ones you hold directly with us.
We suggest you speak with your financial adviser to find out more about what charges and fees will be applied.
Give more. Save more.
Maximize your impact with a Giving Account—
the tax-smart way to donate to your favorite charities.How the Giving Account works
What if you could support all your favorite charities with just one donation? That’s the power of a donor-advised fund. Ours is called the Giving Account. (02:43)
Give.
When you contribute to Fidelity Charitable, you’re eligible for an immediate tax deduction.
Grow.
Your contribution is also invested based on your preferences, so it has the potential to grow tax-free while you decide which charities to support.
Grant.
Because a Fidelity Charitable Giving Account is a donor-advised fund, you advise us on granting the money out to your favorite charities.
How the Giving Account works
What if you could support all your favorite charities with just one donation? That’s the power of a donor-advised fund. Ours is called the Giving Account. (02:43)
Give.
When you contribute to Fidelity Charitable, you’re eligible for an immediate tax deduction.
Grow.
Your contribution is also invested based on your preferences, so it has the potential to grow tax-free while you decide which charities to support.
Grant.
Because a Fidelity Charitable Giving Account is a donor-advised fund, you advise us on granting the money out to your favorite charities.
Benefits of a Giving Account
Give more. Save more.
Because you can fund the Giving Account with cash, appreciated stock or even non-publicly traded assets like private business interests, you can potentially increase your tax savings and give more to the causes you care about most. Fidelity Charitable makes monetizing these assets for charity simple and easy.Take your time to research the charities you want to support fully
Giving through Fidelity Charitable makes you eligible to claim an immediate tax deduction while taking the time to explore the causes and organizations you want to support. No rushing around, which could take the joy out of giving.Giving is made easy
Our leading-edge donor platform allows you to view Giving Account history and statements, plus you can recommend grants anytime. Our mobile app even lets you recommend grants from your phone while on the go.