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Investment ideas for your Vantage SIPP

Need help choosing your own investments? Our investment research team have chosen four portfolio ideas for long-term SIPP investors to help you get started.

Discover more about our investment research team

Mark Dampier

Mark Dampier -
Head of research

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Our research team is headed up by Mark Dampier, who's regarded as one of the very best in the profession. Mark began his career in financial services in 1983 and joined Hargreaves Lansdown in 1998. Mark contributes regularly to The Times and The Telegraph, and writes a weekly column in The Independent.

Charlie Huggins

Charlie Huggins -
Investment Analyst

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Charlie joined Hargreaves Lansdown in August 2011, working in stockbrokers and pensions marketing, before joining the investment research team as an Analyst in February 2013. Charlie has a first class Masters degree in Biochemistry from Magdalen College, University of Oxford. He is also a holder of the Regulated Diploma in Financial Planning and the Investment Management Certificate.

Richard Troue

Richard Troue -
Investment analyst

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Richard is primarily responsible for researching UK growth funds. He also writes for the Investment Times and website covering a variety of funds across all sectors. Richard regularly meets fund managers to discuss their outlook and the positioning of their funds.

Kate Marshall

Kate Marshall -
Fund analyst

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Kate holds a (BA Hons) degree in Business Studies. She completed a year in industry at Hargreaves Lansdown during her degree and returned to the company in 2010. Kate has been a member of the Investment Team as a Fund Analyst since September 2011 and covers UK Equity Income, UK Smaller Companies, European and Global Emerging Markets funds. Kate is a holder of the Investment Management certificate.

You can take each portfolio as a whole, or add your own preferences. Please look carefully at each fund and read its Key Features or Key Investor Information Document to decide if the portfolio is right for you. Simply select the relevant portfolio style below to get started.

The portfolios are not advice. If you're unsure if they're right for you please contact us for advice. Remember: all investments - even the defensive ones - can fall as well as rise in value, so you could get back less than you invest. As you approach retirement, you should consider investments with less risk.

Step one Choose your SIPP portfolio style

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This portfolio focuses on risky areas, with greater long-term potential. There is an emphasis on global funds which can invest in areas experiencing faster economic growth, and developed-world companies able to profit from increasing consumer spending in emerging markets.

Smaller companies also have strong growth potential. Some will grow into the giants of tomorrow, while others could disappear altogether. Skilled fund managers can unearth gems in this sector.

Investors with larger portfolios could consider additional emerging market exposure.

For investors needing access to capital in the medium term (5-10 years time). It aims for modest growth and some sheltering of capital although this isn’t guaranteed, and will fall in value as well as rise, so you could get back less than you invest.

The largest allocation is in defensively managed and absolute return funds. These invest in a wide variety of assets, and in some cases can use techniques to profit from assets falling in value. Each is managed with a different strategy and returns will vary so investors with larger portfolios could consider more than one of these funds.

We have also included an exposure to corporate bonds via strategic bond funds. These tend to be less volatile than funds investing in shares.

This long-term growth portfolio focuses on the areas with the greatest growth potential, though this does mean more volatility. Emerging markets’ high rates of economic growth, low debt levels and burgeoning middle class translate into great long-term growth prospects, though there will be setbacks along the way.

Global funds add diversification, whilst smaller companies remain a favourite for growth investors. It is also worth considering some exposure to equity income funds, and perhaps some esoteric areas such as energy/commodities. All of these add risk.

This portfolio aims for a reasonable return with less volatility than more aggressive portfolios.

At its core are generally profitable, dividend-paying UK companies via equity income funds. Income can be taken, or reinvested to boost growth. There is also exposure to defensively managed and absolute return funds.

Those with larger portfolios can consider further diversification via global funds, UK growth funds and, for the more adventurous, exposure to emerging markets.

This portfolio is designed to produce a good level of income with the potential to grow and keep pace with inflation. Over the long term it should also generate growth, but its capital value will rise and fall.

The portfolio invests in a mix of bonds and income-producing equities. The HL MM Income & Growth Trust offers exposure to our experts' favourite managers in the sector in one fund.

The Artemis and Royal London funds invest in corporate bonds with the aim of paying a decent level of income to investors.

Step two Select size of investment

Step three Portfolio suggestions

Initial chargesInitial savingAnnual chargesAnnual savingFactsheet
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Print Print this portfolio

Step four Invest in the Vantage SIPP today

Investing with Hargreaves Lansdown is easy - you can open a SIPP online in minutes. You'll then be free to make your own investment decisions, such as choosing the fund ideas above. You can invest from £500 (lump sum) or £50 per month per fund.

The annual saving shown is only available on holdings of more than £1,000.

Please remember investments can go down in value as well as up, so you might get back less than you invest. The value of tax savings will depend on your circumstances and tax rules can change over time. If you are unsure of the suitability of any investment for your circumstances please contact us for advice. Once held in a pension, your funds are not usually accessible until age 55.

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