Self-Invested Pension Plans

Self-Invested Pension Plans (SIPPs) give you a much wider range of investment opportunities than those available through most traditional pension plans.

Investment is allowed in a number of assets and asset classes including equities, Unit Trusts, gilts and commercial property.

Saving in a tax-efficient manner towards your pension is always desirable and SIPPs make this possible. They also offer the added benefit of giving you greater flexibility to make your own financial choices.

This flexibility allows you to spread the risk, especially if some investments perform badly.

However, these do tend to have higher costs than a standard pension. Active management is essential to maximise the benefits of the wider investment choice on offer.

Because of this, they will not be suitable for everybody and generally only those who have a good amount of experience in actively managing their investment should consider this type of investment.


The investment growth within the fund is currently free from all UK Income Tax and Capital Gains Taxes.

The value of a SIPP can fall as well as rise. You may get back less than the amount initially invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

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