Self-Invested Personal Pensions

Self-invested Personal Pensions (SIPPs) are a kind of DIY pension designed for people who want to manage their own fund by dealing with and switching their investments when they choose.

SIPPs are tax-efficient wrappers which allow investment in a very wide range of funds and some unregulated investments. The permitted range of investments for SIPPs include stocks and shares on the world's major stock exchanges (and a few of the minor ones including those quoted on AIM), investment trusts, unit trusts, OEICS, gilts and even commercial property.

They often have higher charges than stakeholder and personal pensions and for this reason, they may only be suitable for large funds (£100,000 or more) and for people who are experienced with investing. They have the same tax benefits and regulations as stakeholder and personal pension plans and they work in the same way as stakeholder and personal pensions.

You can also contract out of the Second State Pension if you are using a SIPP for your pension but the S2P money won't actually go into your SIPP. The government is very protective of S2P money and has decided not to put them into SIPPs. Instead the money had to go into something called an Appropriate Personal Pension.

There may also be less protection than with other pensions. Because the SIPP wrapper itself is not regulated by the Financial Services Authority (FSA), not all types of investment you can include within a SIPP are regulated and so elements of your SIPP may not be protected by the Financial Services Compensation Scheme.

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Guide to SIPPs		Select
	Free guide to SIPPS. Take control of your pension with a SIPP. Huge investment choices with over 1700 discounted funds, NO set up fee, NO transfer in fee and No fee to buy and sell funds. Issued and approved by Hargreaves Lansdown Asset Management	Guide
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