Before you access your pension savings
You can continue with this online application only upon meeting the below criteria. If you don't meet any of these criteria and still need to access your pension due to any other reason, please call Fidelity's retirement service on 0800 368 6882 between 9am to 5pm, Monday to Friday.
You need to:
- Be at least 55 years of age.
- Have considered taking guidance from Pension Wise or regulated financial advice. We'll ask you to tell us your decision later.
- Have a direct Fidelity SIPP account with at least £10,000 in tradable value. What is tradable value?
- Have the details of any tax-free cash withdrawals taken previously with other pension providers. This can be found on your annual statements.
- Have received a 'Helping you plan for your retirement' pack dated within the last 12 months. Where can I find this?
- Be a UK resident and not a US person. If you're an overseas resident or a US person, please speak to Fidelity's retirement service. See examples
Helping you plan for your retirement pack
You can find the document online with the name 'Miscellaneous letter' under Account summary → Documents & Messages → Documents → Document type section. If you have set your document preferences to 'Online and post', we may have sent you the pack by post already.
If you haven't received your pack or couldn't find it online, please call our service centre team on 0333 300 3350 between 8.30am - 5.30pm Monday to Friday, and 9am - 12.30pm on Saturdays. We recommend you read the document carefully before withdrawing money from your pension.
Overseas residents and US Persons
Overseas resident:
You are an overseas resident if you live outside of the UK.
You're a US Person if:
- you are a citizen or resident of the United States of America (US), including dual nationals
- you hold a US passport regardless of your residency or domicile
- you have an obligation to pay tax to the US tax authorities on your worldwide income.
Please note that the examples listed here are not exhaustive. The rules around US persons are complex and need careful consideration for tax-related purposes.
Tradable value
Refers to the amount required in your account to continue with this application online. This excludes value of any unsettled deals.