SIPP (Self Invested Personal Pension)
Pensions - more flexible, accessible and attractive than ever
Start a SIPP
: SIPPs are a type of pension for people happy to make their own investment decisions. Investments go down in value as well as up so you could get back less than you invest. The rules mentioned are those currently applying and could change. You can normally only access the money from age 55 (57 from 2028). Tax reliefs depend on individual circumstances. This website is not personal advice, if you are unsure an investment is suitable for your circumstances please seek advice
Why choose the Vantage SIPP
- Wide investment choice
Choose from more than 2,500 funds, shares, investment trusts, gilts, corporate bonds, ETFs and cash. Where can I invest my SIPP?
- Control of your pension
Manage your SIPP yourself online, by phone or post, or on your smartphone with our FREE app for iPhone, Android™ and iPad. Managing your SIPP online.
- Low costs
No SIPP set-up, transfer-in or fund-dealing fees. Low-cost reinvestment service and online share dealing at £11.95 per deal, or as low as £5.95 per deal for active traders. 0.45% annual charge for shares, capped at £200 a year. Tiered annual charge for funds, max 0.45%. Plus, exclusive range of super-low annual fund charges. View our SIPP charges.
- Free research on popular investments
Receive email updates plus free copies of our Investment Times newsletter -
full of ideas to help you make your own well-informed decisions.
- Voted Best SIPP Provider eight years running
Speak directly to our Pensions Helpdesk anytime, no call centres or automated answering systems - just friendly, knowledgeable people.
- New freedoms available
Flexibility to take money out of your pension how you wish from age 55. Options include drawdown, lump sums and annuities. What are the new freedoms?
See the full list of awards we have won
Best SIPP Provider
2007 - 2014
Best Direct SIPP Provider 2013 & 2014
Best SIPP Provider 2014
SIPPs are one of the most tax-efficient ways of saving for your retirement, putting you in control. Before investing you need to be aware of the risks, in particular that investments can go down as well as up in value, especially over the short term.
You also need to remember you cannot normally access your money until at least age 55 (57 from 2028). Up to 25% of your withdrawals are usually tax free and the rest taxed as income. Tax rules can change and the exact amount of relief available on contributions depends on your circumstances.
Summer prize draw terms
No purchase necessary for the prize draw. You can also enter the prize draw by sending a SAE to Hargreaves Lansdown, One College Square South, Anchor Road, Bristol, BS1 5HL.
You will receive one entry to the prize draw for each of the following:
- Open, top up or transfer to the Vantage ISA
- Open, top up or transfer to the Vantage SIPP
- Open, top up or transfer to the Vantage Fund & Share Account
- Take our quiz: 'How much do you know about investing?'
- Submit a question for our experts to answer
- Submit a question for us to ask a CEO of a well-known company
Between 27 July 2015 and 15 September 2015.
The draw is limited to six entries per individual. The draw will be made, and the winners notified, in October 2015. The FCA does not regulate the Prize Draw. No HL employees or their relatives may enter. If you have any questions, or are struggling to meet the deadlines of this offer, please contact us on 0117 900 9000.
The first prize is a two night stay for two people at Belmond Le Manoir aux Quat'Saisons at a time of your choosing, subject to availability. The prize includes breakfast on both mornings and dinner on both evenings (up to a maximum of £500 for each evening meal). The winner and their guest will also spend a day in the Raymond Blanc cookery school, subject to availability on their chosen dates. 10 runners up will receive an Apple iPad Mini 3 16gb Wifi. There are no cash alternatives available to these prizes. This offer is only available to UK residents.