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.
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
Help and support
If you have any questions about the HL SIPP, you can speak to one of our UK-based client support experts.