Updated: June 11, 2019


Looking for the best SIPP to suit your circumstances and requirements? The experts we work with can help find the one that's right for you.

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Tony Stevens

Author: Tony Stevens - Finance Expert

Updated: June 11, 2019

If you decide you want to save into a SIPP in order to make sure you do all you can to ensure a comfortable and quality retirement, you’re probably interested in understanding what the best SIPP investment is.

This is a complex question and one that takes a real expert to answer. Fortunately, the pension experts we work with are highly experienced specialists when it comes to SIPPs, and they can offer you the right advice about them.

In this article we’ll cover some of the more common questions, such as:

What is the best SIPP for me?

This all depends on your circumstances, such as the amount of tax you’re paying, your current pension scheme (if any) and whether you want to run the SIPP yourself, or have an investment manager or company do it for you. This will likely come down to you appetite for risk and one of the pensions advisors we work with can conduct an assessment to determine the level of it, if you make an enquiry here.

There will be charges to consider, but you should be able to rely on their experience to maximise your pension pot.

There are a number of excellent SIPP providers available and the expert pension advisors we work with have an excellent working relationship with them.

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What are the best SIPP provider charges?

These can vary from provider to provider and you need to see what you get for your money. The old adage that you get what you pay for is often appropriate when it comes to selecting a SIPP provider.

It comes down to which is the best value SIPP provider for somebody with your needs and circumstances, and this will likely come down to what you want to invest in, the level of risk and other factors.

SIPP funds will usually be charged annually as a percentage of the total sum you have invested. As an example, you could expect to pay:

Total Invested Fee Charged
£0-£250,000 0.25%
£250,000 – £1M 0.10%
£1m- £2m 0.5%

Some providers may have zero charges for funds over £2million.

As well as the annual fee, SIPP providers may charge additional fees for trading shares but costs will vary depending on the provider, their track record and level of service they provider. Remember, higher fees aren’t necessarily a bad thing as a deal that involves them might offer more favourable returns.

Talk to one of the experts we work with and they should be able to give you the right advice on choosing the best return SIPP provider suited to your levels of investment or circumstances.

What are the best SIPP funds for my age?

Everyone is different and surprisingly, your age can be a factor on which fund you choose.

Taking risks to enhance growth while you are younger means that, if anything goes wrong, you still have time to recover the position.

When you are older and nearing retirement you are more likely to move your investments to a lower risk scheme to protect what you have accumulated and make sure your retirement income is not under threat.

If you move to higher risk investments and it does not work out then you have no time to recoup the losses.

What are the best property SIPP providers for me?

There are some excellent SIPP property providers, but they are all different and you need to match your needs with their services.

Investing in a residential property is possible, but it’s not generally recommended.

Many financial advisors may tell you that you cannot invest directly in a residential property as part of a pension arrangement – this is not entirely true, but be aware that you could face a 55% tax bill on your investment.

You could invest in a residential property with your SIPP by investing in a residential property fund. The downside is that you will have no say in how the funds are invested and it will attract fund management charges.

You can invest in a commercial property, but there are highly specific rules that you must abide by. And although you could commit all of your SIPP to commercial properties, but most SIPP providers will limit the amount invested.

What are the best SIPP deposit accounts?

When it comes to the best sipp bank accounts, you’re really spoilt for choice.

Putting your money into a SIPP deposit account is a wise strategy, especially for people who have a low appetite for risk.

It can also be a sound financial strategy for those who are approaching retirement and want to reduce the risk to their retirement income.

Most SIPP accounts operate a default account into which money can be deposited. If you have a flexible SIPP then you will be able to look around for the most attractive rates.

Unfortunately, some low-cost SIPPs do not allow you to move cash to another account, so you are stuck with the rate you are given.

There are providers who will allow a lot more flexibility, and the experts we work with know who they are. Contact us today for a no-obligation chat.

How to pick the best tracker funds?

There are almost as many tracker funds as their are investments. Each one is different and offers different advantages and disadvantages.

Tracker funds are becoming increasingly popular with investors, offering access to a truly broad range of investments, quite often at low cost to the account holder.

Whether you’re looking for an investment ‘sweet spot’ such as medium sized companies that offer steady growth and lower risk, or want to jump into the higher risk emerging markets such as India or Brazil, one of the expert advisors we work with should be able to provide the right advice and point you in the right direction for the most suitable tracker fund to find the best shares for your SIPP.

Speak to an expert for an unbiased SIPP comparison

An independent pensions advisor can compare SIPP costs for you. The experts we work with have whole-of-market knowledge, so you can rest assured that you will be introduced to the provider offering the best deals.

Remember, comparing the market yourself comes with the risk of missing out on the best deal as you won’t have access to the same volume of providers. What’s more, the advisors we work with will offer bespoke advice every step of the way, they don’t charge a fee and there’s no obligation.

Contact us today on 0808 189 0463 or make an enquiry here.

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We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in pensions. Ask us a question and we'll get the best expert to help.

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Tony Stevens

Tony Stevens

Finance Expert

About the author

Tony has worked in a vastly diverse array of areas in the pensions industry for over 20 years. Tony regularly writes for trade press, usually on topical and pensions pieces as well as acting as a judge at prestigious national events.

Tony is also a highly qualified Independent Financial Adviser in his own right. His mantra has always been “Hope for the best, but plan for the worst”, and believes that the biggest impact that an adviser can have on a client’s life journey is to take them on a journey from generally having little or no real idea of what their retirement will look like, to giving them the understanding of what their retirement looks like now, then helping them navigate a path to what they want their retirement to be.

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