Important information: SIPP investors need to be happy to make their own investment decisions, and understand that all investments can rise and fall in value. It’s possible to get back less than you pay in. You’ll usually need to be at least 55 (rising to 57 from 2028) before you can access the money in your pension. Pension and tax rules can change and any benefits will depend on your circumstances. If you’re not sure what’s best for your situation, you should seek financial advice.
Build your own SIPP
It’s easy to start investing with the HL Self-Invested Personal Pension (SIPP). If you know where you’d like to invest, you can get going as soon as your SIPP is open. But if you’re looking for some SIPP investment inspiration, these ideas could help.
If you're investing for the first time it's important to understand the essentials first. This includes understanding risk and investing behaviours, the importance of diversification and how to review your investment portfolio.
Pick a Ready-Made Investment
Looking to invest but unsure where to start? Leave the day-to-day decisions to the experts with our HL Ready-Made Pension Plan.
The plan is managed by experts and aims to grow your money when you’re younger, then de-risk your investments as you get closer to retirement.
Choose your own funds
If you're comfortable choosing your own funds for a SIPP, our Wealth Shortlist could help to narrow your search. It features funds chosen by our analysts for their long term potential: you can filter the list to find the right ones for you.
Latest fund ideas for a SIPP
These funds have been chosen by our investment research experts. We believe they could make great investments for a Self-Invested Personal Pension.
But they’re not personal advice. Investing in these funds isn’t right for everyone. Investors should only invest if the fund’s objectives are aligned with their own, and there’s a specific need for the type of investment being made. Investors should understand the specific risks of a fund before they invest, and make sure any new investment forms part of a diversified portfolio.
Investments rise and fall in value, so you could get back less than you invest. If you’re not sure an investment is right for you, seek advice.
Given market volatility could be set to continue with a number of challenges facing economies, a total return fund could be a good choice. Total return funds are more conservative than funds that invest fully in company shares. They normally invest in a mix of investments including shares, bonds, commodities and currencies. They could help provide modest growth for your investment portfolio over the long term, and help shelter your money when stock markets fall, but are unlikely to keep up with stock markets when they rise quickly.
Ninety One Diversified Income
This fund focuses on providing income mainly through investing in bonds, with a smaller part of the fund invested in shares.
The fund aims not to lose as much as other funds when markets fall, which means there’s less to make up when they rise.
The fund invests in emerging market bonds, high-yield bonds and derivatives, all of which add risk. The fund takes charges from capital, which increases the income paid but reduces the potential for capital growth.
We think this is a good option to diversify an investment portfolio focused on growth, or as an addition to a portfolio focused on income.
UK Equity Income funds are a convenient way to invest in a mix of dividend-paying UK companies. An income fund can be a great addition to a SIPP portfolio for different reasons. You can either take the pay-outs to supplement your income (if you’re old enough to access your pension) or, if you are targeting growth and aiming to build your portfolio for longer, reinvesting dividends can help grow your pot at a faster rate thanks to the effect of compounding.
Artemis Income
The managers invest in companies they think can pay a stable and sustainable income over the long run. An emphasis on dividend growth makes this a more conventional UK equity income fund.
The fund’s managed by an experienced trio, including one of the UK’s most experienced income investors Adrian Frost.
It could help form the foundation of an income portfolio, and sit alongside other UK funds, or diversify the income paid by bond funds or a global equity income fund.
The fund takes its charge from captial, which can increase the yield, but reduces the potential for capital growth.
Global equity funds provide a good foundation to an investment portfolio focused on long-term growth. Investing in companies across the globe provides a good level of diversification in a single fund. This one provides broad exposure to a range of large and medium-sized companies in developed markets, such as the US, Japan and Europe, while being mindful of environmental, social and governance (ESG) issues. Responsible investment funds give you the chance to invest in line with your principles.
The fund has a small amount of exposure to smaller companies, which are higher-risk investments.
Legal & General Future World ESG Tilted and Optimised Developed Index
Aims to provide long-term growth whilst being environmental, social and governance focused.
Invests more than the broader global stock market in companies that score well on a variety of ESG criteria, such as the level of carbon emissions generated and number of women on the board. If companies score poorly on these measures the fund reduces exposure.
Invested in around 1,400 global companies, focused towards sectors such as technology, pharmaceuticals, and financials.
The fund has the flexibility to use derivatives which adds risk if used.
Asian funds are a great way to add diversification to a portfolio that is focused on long term investing, which makes them ideal for a SIPP. Although they often include investments in emerging markets, which make them higher risk. Asia is home to some of the most exciting economies in the world that have significant potential for future growth.
Schroder Asian Alpha Plus
The fund aims to provide growth by investing in larger companies across Asia, based in countries such as Hong Kong, India, and Taiwan.
We think the fund can offer a globally diversified portfolio exposure to Asian markets in the pursuit of long-term growth.
The fund can invest in smaller companies, emerging markets or derivatives, all of which add risk if used.
Most popular SIPP funds
Discover which funds have been popular in the HL SIPP.
Get advice on your investment choices
If you're not sure how or where to invest, you should consider getting advice from a professional.
Our financial advisers can work with you to understand your investment goals, risk appetite and affordability to create an investment portfolio to match your needs and align to your financial goals.
Why choose the HL SIPP?
Choice - Select from a range of investments to build a SIPP that works for you
Expertise - Our investment experts provide research and investment ideas to help you make the most of your SIPP
Transparency - See how your SIPP investments are performing, online or via the HL app
Trust - For more than 40 years we've helped investors make the most of their money. Over 2 million clients trust us with their accounts
We've won over 200 awards for our services
Best Buy Pension 5 years running
- Boring Money Best Buys 2025
Best for Customer Service
- Boring Money Best Buys 2025
Best UK Pension Provider
- Investing in the Web's Global Broker Awards 2024
Help and support
If you have any questions about the HL SIPP, you can speak to one of our UK-based client support experts.