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Self Invested Personal Pension Home

  • Self-Invested Personal Pension (SIPP)

    From great value to best-in-class, access the SIPP to suit your needs through our extensive network of providers

    Open a SIPP
  • SIPP Cashback Offer

    A SIPP from Selftrade has its rewards

    Find out more

One of the most tax effective ways to save for your retirement

  • Gain up to 45% tax relief on your pension contributions
  • Invest in a wider range of investment types than a traditional personal pension
  • Access a wide range of SIPP providers with Selftrade - with over 70 providers available
  • The Selftrade SIPP offers one of the lowest annual fees in the market

Open a SIPP   Transfer to us

 

SIPPs explained

A Self-Invested Personal Pension (SIPP) is a type of private pension that’s do-it-yourself so you decide how your money is invested. SIPPs also share the tax benefits of other private pensions.

The tax benefits mean the government automatically pay an extra 20% of tax relief into your pension (the basic-rate of tax). If you pay a higher rate of tax, you’ll usually be able to claim back more (up to 25%) via a self-assessment tax return.

Learn more about tax and pensions

How does a SIPP with Selftrade work?

Your SIPP provider’s role is to manage the administration and trustee services of your SIPP under their pension scheme, and to ensure you get the tax benefits offered by the Government.

Selftrade works alongside your SIPP provider as the custodian of your assets and the investment platform that allows you to invest in your SIPP.

 

There are two types of SIPP you can open with us

We know that our investors appreciate the option to take full control of decisions about their money, so we have designed our approach to promote choice. This means you can choose the provider best suited to your circumstances and retirement goals.

The low fee factor

The Selftrade SIPP offers some of the most competitive rates available.

Not only does it offer a market-leading flat admin fee of £118.80, there are no charges for unplanned events, such as divorce or early account closures.

And no matter the SIPP provider you choose, with Selftrade the more you trade, the smaller the fee. Over half of our existing SIPP customers do not pay any custody fees as they are offset by their dealing commissions and funds platform fees, saving £70 per annum.

That means lower costs each year as you build towards your retirement.

Access a wider range of investments types

One of the advantages of a SIPP is, not only can you decide where to invest, you will have access to a wider range of options than you would with a traditional pension. This range of assets allows you to create a diversified portfolio, something which could have a significantly positive impact on your investments over time.

We can only hold stock market investments, commercial property can’t be held on the Selftrade platform.

 

Four reasons why investing with a SIPP can help your retirement financial planning

  • Be in control of your retirement pot

    A SIPP gives you the flexibility and control to choose how your money is invested across a range of asset classes and sectors. Sign in at any time to invest or monitor performance.

  • Benefit from up to 45% tax relief

    The government will add 20% tax relief to contributions you make to your SIPP. Furthermore, higher and top-rate tax payers can claim up to an extra 25% back on their tax return.


  • A great way to boost your retirement income

    SIPPs allow you to invest and gain tax relief on contributions up to £40,000 per annum. Thanks to the carry forward rules, any unused allowance can be rolled over for up to three years, meaning you could invest up to £120,000.

  • Take advantage of tax breaks

    Any capital gains made within a SIPP are tax free, and you can withdraw a 25% lump sum tax-free from the age of 55. That’s more money for you to spend in retirement.


  • Be in control of your retirement pot

    A SIPP gives you the flexibility and control to choose how your money is invested across a range of asset classes and sectors. Sign in at any time to invest or monitor performance.

  • Benefit from up to 45% tax relief

    The government will add 20% tax relief to contributions you make to your SIPP. Furthermore, higher and top-rate tax payers can claim up to an extra 25% back on their tax return.


  • A great way to boost your retirement income

    SIPPs allow you to invest and gain tax relief on contributions up to £40,000 per annum. Thanks to the carry forward rules, any unused allowance can be rolled over for up to three years, meaning you could invest up to £120,000.

  • Take advantage of tax breaks

    Any capital gains made within a SIPP are tax free, and you can withdraw a 25% lump sum tax-free from the age of 55. That’s more money for you to spend in retirement.


Download our SIPP Guide

Our SIPP guide is packed full of more helpful information on how SIPPs can help you with your retirement financial planning 

Selftrade SIPP guide

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