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Guide to Self-Invested Personal Pensions (SIPPS)

Guide to self-invested personal pensions (SIPPS)

Pensions were created to help us save for retirement. But many traditional personal pensions don't give you the flexibility to invest where you want to. This guide is not personal advice, but you'll learn:

  • How SIPPs work
  • How you could get a helping hand from the government of at least 20% tax relief
  • How to choose investments for your SIPP
  • Why extra choice means more responsibility
  • How to get started with a SIPP

178,000+ downloads


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    We wrote this guide to give you useful information about pensions but it’s not personal advice. Please consider taking advice if unsure. Remember investments can go down as well as up in value so you could get back less than you put in. You can’t normally access money in a pension until age 55 (57 from 2028) when up to 25% is usually tax free and the rest taxable. Pension and tax rules can change and their benefits depend on your circumstances.

    More control over your pension

    Pensions were created to help us save for retirement. But many traditional personal pensions don't give you the flexibility to invest where you want to. In this guide you'll learn:

    • How SIPPs work - and how to take maximum advantage
    • How you could get a helping hand from the government of at least 20% tax relief
    • How to choose investments for your SIPP
    • Why extra choice means more responsibility
    • How to get started with a SIPP

    178,000+ downloads

    We wrote this guide to give you useful information about pensions but it’s not personal advice. Please consider taking advice if unsure. Remember investments can go down as well as up in value so you could get back less than you put in. You can’t normally access money in a pension until age 55 (57 from 2028) when up to 25% is usually tax free and the rest taxable. Pension and tax rules can change and their benefits depend on your circumstances.

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