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SIPP Hub Home

  • SIPP Cashback Offer

    A SIPP from Selftrade has its rewards

    Find out more
  • You can ignore retirement, but retirement won’t ignore you

    Even 61% of retired, confident investors say they want more income
    (Schroders Global Investor Study 2018)

    Open a SIPP today

Welcome to the SIPP Resource Hub

Retirement is one of the most important things you can save for. Making smart investment decisions today can have an invaluable impact on your lifestyle in retirement.

At Selftrade, we know how important it is to stay informed, so we’ve created our SIPP Hub to be your one-stop-shop for our latest SIPP and pension-related information and articles.

Download your SIPP Guide

The Tools

Easy to use, and a useful starting point for investors, these tools allow you to research and adjust the balance of your portfolio as you build for long-term growth.

  • ETF Select 100

    The ETF Select 100 is a list of 100 best-in-class, and independently researched, Exchange Traded Funds (ETFs) available in the UK market today.

    Find out more

  • Mutual Funds Select List

    The list is designed to help you narrow down your investment choices so you can select a mutual fund that meets your investing goals and appetite for risk.

    Find out more

  • Stockomendation

    A "find, track and compare" tool, it gives you free access to over 1,000 new stock tips every month and nearly 40,000 tracked tips from the UK's leading tipsters and brokers.

    Find out more

  • Portfolio X-Ray

    Portfolio X-Ray shows how diversified your portfolio is in a matter of seconds, allowing you to easily review the balance of your investments.

    Log in to your account

  • ETF Select 100

    The ETF Select 100 is a list of 100 best-in-class, and independently researched, Exchange Traded Funds (ETFs) available in the UK market today.

    Find out more

  • Mutual Funds Select List

    The list is designed to help you narrow down your investment choices so you can select a mutual fund that meets your investing goals and appetite for risk.

    Find out more

  • Stockomendation

    A "find, track and compare" tool, it gives you free access to over 1,000 new stock tips every month and nearly 40,000 tracked tips from the UK's leading tipsters and brokers.

    Find out more

  • Portfolio X-Ray

    Portfolio X-Ray shows how diversified your portfolio is in a matter of seconds, allowing you to easily review the balance of your investments.

    Log in to your account

The Insight

When it comes to risk and reward, here are some of the essentials for investors looking to make their cash work harder.

How to make your retired years golden

Many people focus on investing to reach retirement, but what about once you are retired? Investment can continue to play an important role in retirement, you may just need a new strategy.

Expectations vs. Reality in Retirement

Retirement is also an increasingly expensive business. Life expectancy and the cost of living for retirees are rising. So what you are expecting to be enough to keep you going when your working days are done is unfortunately not what you are likely to get.

Five Top Tips from the Pensions Experts

We’ve asked five experts from the world of SIPPs and pensions for their top tips on how you can make the most out of your SIPP and retirement investments. Click through to read their insightful top tips.

Five stocks to watch this December

For more confident investors stock picking can be a highly rewarding activity. This article identifies five shares which could be suitable for SIPP investing. As companies with appealing good long-term prospects, depending on your age, they could prove a good fit within a SIPP portfolio.

Being sensible when investing for retirement

Investing for a comfortable retirement is an ongoing process not a one-off exercise. You will need to check you are on course to achieve the required level of income when you give up work as interest rates and returns from different assets may change over time.

Lower risk investing

Investing your money always involves an element of risk but investors have a wide variety of both higher risk and lower risk investments to choose from.

Investing within a SIPP can help boost your retirement income

  • 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.


A SIPP with Selftrade

SIPPs are one of the most tax effective ways to save for your retirement

  • Choose from the Selftrade preferred SIPP or choose from over 70 providers
  • Gain valuable tax relief on your pension contributions with up to 45% tax relief
  • Flexible saving options - choose between regular or ad hoc contributions
  • Access pension and retirement educational tools and expert tips

Open a SIPP

Transfer a SIPP

 

The Opinion

Our independent writers take an in-depth look at the topics that matter for investors and the asset classes which could make a difference to your portfolio.

  • Planning your financial future during retirement

    Making your money last through all of retirement can seem like a daunting task, but careful planning and understanding of retirement spending patterns can make it easier.

     

  • Considerations for the self employed

    You might enjoy the benefit of being in charge of your own work, but you can end up paying for this freedom in other ways.

     

  • Six retirement money management tips

    Knowing how to manage a pension pot can be complex – even if you have had access to it for a while. But there’s a lot you do to make sure you get the most from it.

     

  • The three stages of retirement planning

    Planning for retirement can be daunting, whatever age you are, and it’s not just working out what you’re going to do with all of that newfound free time that’s an issue.

     

  • Understanding the tax on pensions and ISAs

    If you are planning your own retirement savings on top of any workplace scheme you might have, the many different options could leave you confused and frazzled.

     

  • Being sensible when investing for retirement

    Investing for a comfortable retirement is an ongoing process. You will need to check you are on course as interest rates and returns from different assets may change over time.

     

  • Planning your financial future during retirement

    Making your money last through all of retirement can seem like a daunting task, but careful planning and understanding of retirement spending patterns can make it easier.

     

    Find out more
  • Considerations for the self employed

    You might enjoy the benefit of being in charge of your own work, but you can end up paying for this freedom in other ways.

     

    Find out more
  • Six retirement money management tips

    Knowing how to manage a pension pot can be complex – even if you have had access to it for a while. But there’s a lot you do to make sure you get the most from it.

     

    Find out more
  • The three stages of retirement planning

    Planning for retirement can be daunting, whatever age you are, and it’s not just working out what you’re going to do with all of that newfound free time that’s an issue.

     

    Find out more
  • Understanding the tax on pensions and ISAs

    If you are planning your own retirement savings on top of any workplace scheme you might have, the many different options could leave you confused and frazzled.

     

    Find out more
  • Being sensible when investing for retirement

    Investing for a comfortable retirement is an ongoing process. You will need to check you are on course as interest rates and returns from different assets may change over time.

     

    Find out more

The Answers

Here we answer typical questions on tax relief and contribution limits, based on current annual allowances. Tax rules are subject to change, and so all investors need to make sure they remain up to speed on the benefits and restrictions set out by HM Revenue & Customs.

It is worth noting that this is by no means a comprehensive guide to tax arrangements and you may wish to seek advice from a specialist advisor.

  • How tax efficient are SIPPs?

  • How is tax relief calculated?

  • How much can I contribute into my SIPP?

  • Can I pay into a SIPP if I don’t work?

  • What if I earn more than £150,000 annually?

  • Can I carry forward any unused allowance from previous years?

  • Can I invest after I retire?

  • What happens to my SIPP should I die?

  • How do I access my SIPP, both before and after I retire?

Open a Selftrade SIPP