SIPP
Self-Invested Personal Pension (SIPP)
A Self-Invested Personal Pension (SIPP) gives you more control and flexibility when saving for retirement. Open to UK residents under age 75, a SIPP allows you to choose from a wide range of investments and manage them as you see fit — all while enjoying generous tax benefits.
📞 Call 0207 459 4754 to speak with our pension specialists.
What is a SIPP?
A SIPP works much like a standard personal pension — but with far greater control over how your savings are invested. You can select from a broad array of investment options, including shares, funds, bonds, and ETFs, enabling you to build a retirement portfolio tailored to your goals.
Whether you’re starting fresh or transferring an existing pension, a SIPP gives you the flexibility to invest with confidence. Contributions benefit from tax relief, and your investments grow free from UK Income Tax and Capital Gains Tax.
Benefits of a SIPP
Investment Flexibility
Access a wide choice of investments beyond standard funds — including shares, ETFs, commercial property, and more.
Tax Advantages
Get tax relief on contributions and allow your pension pot to grow free from UK Income and Capital Gains Tax.
Full Control & Visibility
View your pension’s performance online anytime. Make changes or add funds whenever it suits you.
Inheritance Efficiency
SIPPs can offer tax-efficient options for passing on your wealth to loved ones, sometimes completely tax-free.
Transfer Existing Pensions
Easily consolidate your old pensions into a single SIPP for easier management and improved transparency.
Fair & Accountable
No management fees or hidden charges. We grow when you grow — simple, honest, and built on trust.
How Does a SIPP Work?
SIPPs are one of the most tax-efficient and flexible ways to plan for retirement:
Contribute up to £40,000 annually and receive up to 45% tax relief
Choose and manage your own investments — or seek professional guidance
Track and adjust your portfolio as needed
Normally, funds are accessible from age 55 (rising to 57 from 2028)
Unlike many traditional pensions, SIPPs offer full transparency and control. You decide where your money goes, and you’re free to make changes or top-ups whenever you like.
Need help deciding what to invest in? We can connect you with an expert.
Tax Benefits of a SIPP
SIPPs come with powerful tax advantages designed to help you make the most of your retirement savings:
Up to £40,000 annual contribution allowance
Up to 45% tax relief on personal contributions (46% for Scottish taxpayers)
Tax-free investment growth — no income or capital gains tax
Efficient inheritance planning, with many pensions passed on tax-free
Equities
Minimum: £100,000 | 0% management + performance fee only when returns are positive
Fixed Income
Minimum: £250,000 | 0% management + performance fee on realised gains
Balanced
Minimum: £300,000 | 0% management + performance fee aligned with returns
Common questions
Who can open a SIPP?
Any UK resident under 75 can open a SIPP. There are no age limits for transferring other pensions into it.
Can I choose my own investments?
Yes. SIPPs give you full control over investment choices, unlike standard pensions with limited fund options.
When can I access my funds?
You can begin withdrawing from your pension at age 55 (or 57 from 2028).
Are SIPPs suitable for everyone?
SIPPs are ideal for those seeking investment flexibility. If unsure, speak with one of our pension consultants.
Ready to Take Control of Your Retirement?
📞 Call 0207 459 4754 or Contact Us to learn more about how a SIPP can work for you.
