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How we assess and monitor assets on our platform

At Fidelity we put our customers at the heart of everything we do, ensuring the delivery of good customer outcomes. Market events which may result in investors’ inability to withdraw money, bring focus on the role investment platforms play in safeguarding the interests of their customers.

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Our Responsibility to you

As a distributor of investments, we offer Fidelity and third-party investments to our customers across the following platforms: Workplace Investing (for workplace pension customers), Fidelity Adviser Solutions (for advisers) and Fidelity Personal Investing (for personal investors).

Our goal is to provide customers with a wide range of choice when investing with Fidelity. Like all firms, we have obligations, that we fully embrace, to be careful and responsible about the investments we make available to you. Whilst we can’t eliminate the risk that naturally comes with investing, we do take measures to ensure the investments we offer meet certain minimum criteria and standards. 
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Our Governance Committee

We achieve this through an asset range governance committee which enables us to monitor and oversee the investments (Investment Funds, ETFs and Investment Trusts) offered on our platforms. This is to ensure our customers are protected from any foreseeable risks arising from the distribution and administration of these investments. 

It meets regularly to ensure the range of assets offered is appropriate for distribution within the relevant business channels that it represents (Workplace investing, Adviser Solutions and Personal Investing). 

We have a governance framework in place which seeks to consider various factors when carrying out checks on the investment providers we offer on the platform, as well as checks on the collective investments (such as funds) we enable our customers to invest in.

Factors Considered for Product Governance

Checks at the Asset Provider Level

For providers whose investments we offer on our platform, our governance framework considers a range of factors which can include the following: 

  • Company information
  • Governance structure and policies
  • Regulatory considerations
  • Outsourcing agreements
  • Reporting and accounting practices
  • Operational structure and policy
  • Financial strength of the fund provider

Checks for Collective Investments

For collective investments (e.g. funds) we enable our customers to invest in, our governance framework considers a range of factors which can include the following: 

  • Cost of ownership
  • Investment performance
  • Liquidity
  • Media coverage
  • Service level key performance indicators
  • Complexity status
  • MiFID II status
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The committee also considers the following risks in its governance framework:

  • The investment does not offer value for money for the customers or does not perform as expected.
  • An inappropriate investment is distributed to a specific target market.
  • The investment manager ceases to trade, or an investment is subject to an unexpected closure.
  • We or the investment manager are unable to implement accurate and timely transactions.
  • Contractual and counterparty credit risk. 

Oversight is provided by reviewing all investments made available to our customers and clients as well as the attribution measures on a monthly and quarterly basis.

When an investment hits a governance trigger, this is fully investigated and when appropriate a recommendation is brought to the committee, which could include removal of the investment from the platform or life company.

Policies and important information
 

Accessibility | Conflicts of interest statement | Consumer Duty Target Market | Consumer Duty Value Assessment Statement | Cookie policy | Diversity, Equity & Inclusion | Doing Business with Fidelity | Diversity, Equity & Inclusion Reports | Investing in Fidelity funds | Legal information | Modern slavery | Mutual respect policy | Privacy statement | Remuneration policy | Staying secure | Statutory and Regulatory disclosures | Whistleblowing programme

 

Please remember that past performance is not necessarily a guide to future performance, the performance of investments 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. This website does not contain any personal recommendations for a particular course of action, service or product. 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. Before opening an account, please read the ‘Doing Business with Fidelity’ document which incorporates our client terms. Prior to investing into a fund, please read the relevant key information document which contains important information about the fund.

This website is issued by Financial Administration Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) (FCA Register number 122169) and registered in England and Wales under company number 1629709 whose registered address is Beech Gate, Millfield Lane, Lower Kingswood, Tadworth, Surrey, KT20 6RP.

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