Investment ideas for your Vantage SIPP
SIPP investment ideas from
Mark Dampier
The great advantage a Vantage SIPP has over most other pensions is it puts you in control and lets you invest almost anywhere you like. We have highlighted two sets of fund ideas for Vantage SIPP investors below, one for people who have about 10 years until retirement, and the other for those who have 11 years or more.
You can use them as they are, or as a core and add whatever appeals, depending on your circumstances. They are not advice. Remember, all investments can fall as well as rise in value so you could get back less than you invest. If you are unsure of the suitability of an investment, please contact us and we can put you in touch with an adviser.
Mark Dampier, Head of Investment Research
If you are 10 years away from retirement it may be time to consider taking a little risk off the table. In many cases it will make sense to gradually shift your portfolio towards fixed interest and cash as you get nearer to retirement, although this decision will depend on your individual circumstances.
If you are considering income drawdown, that will change your timescales. Ten years is a long time in investment, so there is still plenty of potential gain to be had in the equity markets but remember the value will go down as well as up, especially over the short term.
The four funds I have selected are run by top class managers with long term track records, although past performance is not a guide to the future. They have a high level of stock market exposure but are managed with different investment styles that should temper the volatility.
| Fund Suggestions | M&G Global Leaders | Neptune Balanced | PSigma Income | Melchior ST European Absolute Return |
|---|---|---|---|---|
| Details » | Details » | Details » | Details » | |
| Initial charge | 0.00% | 5.00% | 5.25% | 5.00% |
| Initial saving | 0.00% | 5.00% | 4.75% | 5.00% |
| Annual charge | 1.50% | 1.60% | 1.50% | 1.75% |
| Total expense ratio | 1.67% | 1.53% | 1.74% | 4.13% |
These growth funds should appeal to a wide range of SIPP clients, including both novice and experienced investors alike. They are five flagship funds from five leading investment companies.
At a stroke, they give a pension diversification in terms of investment company, style and management. I have chosen each fund not in pure isolation, but with a mind on how each one will dovetail with the others.
Each fund aims to make you money, but with different thought processes. This avoids you placing all your pension in one fund. While we hope all will fire on four cylinders all the time, when one or two find the going somewhat harder for a while, we hope that the others should take up the running.
| Fund Suggestions | Aberdeen Emerging Markets | Artemis Strategic Assets | Insynergy Odey | M&G Global Basics | Neptune Global Equity |
|---|---|---|---|---|---|
| Details » | Details » | Details » | Details » | Details » | |
| Initial charge | 4.25% | 5.25% | 5.00% | 0.00% | 5.00% |
| Initial saving | 4.25% | 5.25% | 5.00% | 0.00% | 5.00% |
| Annual charge | 1.75% | 1.50% | 1.25% | 1.50% | 1.75% |
| Total expense ratio | 1.89% | 1.56% | 2.08% | 1.67% | 1.80% |
Please remember that all investments can fall in value as well as rise so you could get back less than you invest, therefore you should hold them for the long term. If you have any doubts as to the suitability of an investment please ask us for personal advice.
Something to get you started
Schroder Managed Balanced Fund
If you're looking for a low cost managed fund to get you started we have negotiated a special deal with Schroders. View fund
Want more control over your pension?
The Vantage SIPP gives you the choice of more than 2,400 discounted funds.
Important information
A SIPP is a type of pension for people comfortable making their own investment decisions. Investments go down in value as well as up so you could get back less than you invest. The rules we refer to are those that currently apply; they could change in the future but you cannot normally access the money until at least age 55. Tax reliefs depend on circumstances. This website is not personal advice, if you are unsure of an investment’s suitability you should seek advice.
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