Self-Invested Personal Pensions (SIPPs)

One of the main reasons SIPPs are popular is the control and flexibility they provide. Your SIPP will be unique to you, based on what you want to invest in and not limited to a few funds.

A Self Invested Personal Pension allows the plan holder much more freedom than a personal pension or a stakeholder pension. It also requires active management and investment expertise and charges may be higher than for a personal pension or stakeholder plan. The plan holder can appoint a stockbroker, fund manager or have control over the investment strategy themselves.

Your SIPP could borrow money based on the value of the fund for investments that will benefit the scheme (for example, commercial properties). It can borrow, at any time, up to 50% of the pension's assets.


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