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SIPP(Self Invested Personal Pension)

A flexible, tax-efficient way to save for retirement

SIPP(Self Invested Personal Pension)

Here to help you save for a better retirement
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Important information: 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.

A SIPP is one of the most tax-efficient ways of saving for your retirement. The SIPP helps you to stay in control and manage your pension online 24/7 - with tools, watchlists and the latest research helping you make decisions whenever you want. More about SIPPs.

Why choose the Vantage SIPP

  • We make it easy for you

    Manage your SIPP yourself online, by phone, post, or using one of our apps. Invest where you want, whenever you want - even set up regular payments.

  • Choose from a wide range of investments

    Whether you're an experienced investor, just starting or want to leave it to an expert, we can offer the right investments for you, with over 2,500 funds, shares, investment trusts and many others to choose from. See where you can invest.

  • Great value

    To help you make the most of your SIPP we provide access to free research, articles, tools and insight from our team of investment experts - all this while benefiting from low costs. See our charges.

  • Service on hand when you need it

    Our Pension Helpdesk are here to help 6 days a week with any question, no matter how big or small, calls answered on average in 12 seconds (Jan to Dec 2015).

  • Simple consolidation process

    Easy to transfer old pensions into one pot, making them easier to manage and giving them the best chance to grow. More about transferring pensions.

  • Don't just take our word for it

    More than 240,000 investors have already chosen the Vantage SIPP, and we've been voted Best SIPP Provider 9 years running by What Investment readers.

  • 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?

96.5% of our SIPP clients rated our service as 'good', 'very good' or 'excellent' in a recent survey.

Source: HL SIPP client survey, February 2016, 229 respondents

Recent awards

What Investment Best SIPP Provider 2007-2015
Best SIPP Provider 2007-2015
What Investment
MoneyWeek Best SIPP Provider 2014
Best SIPP Provider 2014

The annual allowance (generally £40,000) is the maximum amount that can be contributed by anyone (yourself or your employer, for instance) into all your pensions in a tax year. Contributions above the annual allowance are taxed as income, unless you are able to carry forward unused annual allowance from the last three tax years. The annual allowance does not apply to any pension transfers.

Download the annual allowance and carry forward factsheet

The lifetime allowance (currently £1 million, and rising with CPI inflation from 2018) is the total value you can hold in pensions without incurring an additional tax charge. This is measured whenever you take benefits, reach age 75 or die, whichever is soonest.

Download the lifetime allowance factsheet