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SIPP

What is a SIPP?

Tax efficient retirement savings

A Self Invested Personal Pension (SIPP) is a tax efficient way to invest for your retirement or your child's retirement, which gives you control over where and when you invest.

A SIPP may not be appropriate for everyone, but for those with investment experience or the time to manage their own investments, it can be well worth considering.

Like all pensions, a SIPP offers tax relief on contributions. The tax benefits will depend on your circumstances and tax rules are subject to change by the government. SIPPs are governed by HMRC rules covering how much can be invested in any tax year.

Choose a SIPP with Selftrade for:

  • Flexibility – a choice of accounts
  • Control – investors can set their own investment strategy and choose where and when to invest
  • Portability – the rules for SIPP transfers are the same as those for personal pensions, meaning that it is generally possible for a SIPP to be transferred to an occupational pension scheme, personal or stakeholder pension. SIPPs can also accept transfers from various types of pension plan

Find out more

  • See our free Guide to SIPPs, produced in association with Investors Chronicle
  • Work out how much you should be putting aside for your pension with our pension calculator

SIPP dealing account

Invest in a wide range of investments

  • A variety of investments to suit your retirement planning including UK and international shares, bonds and gilts, funds, ETFs, ETCs, warrants and covered warrants. Plus, where facilitated by your Trustee, other asset classes too.

Choice of trustee/administrator

Please ensure you read and understand the investment risk warnings and other important information

Offers

Choose your preferred pension trustee/administrator or take advantage of our specially negotiated rates with some of our partners.

  • The value of investments can fall as well as rise and any income from them is not guaranteed. You should be prepared to lose your investment. Past performance is not a guide to future performance.
  • Selftrade provides you with a range of tools and information to help you make informed investment decisions but does not provide investment advice. If you are in any doubt as to the risk or suitability of an investment or product you should seek advice from an independent financial adviser.
  • The extent and value of any SIPP tax advantages or benefits will vary according to the individual's circumstances. The levels and bases of taxation may also change. If now or in the future, you have the option of joining an employer's occupational or contributing pension scheme you should consider joining or making contributions to it. Once in a pension your money is only accessible, in general, from age 55.