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More about SIPPs Open a SIPP

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. Before transferring a pension please ensure you will not lose valuable guarantees or incur excessive transfer penalties. Pensions are usually transferred as cash so you will be out of the market for a period. This website is not personal advice, if you are unsure an investment is suitable for your circumstances please seek advice.

Why invest in a SIPP?

A SIPP is one of the most tax-efficient ways of saving for your retirement. Unlike traditional pensions where investment choice can be limited, a SIPP gives you the freedom to invest almost anywhere you like.

Not only that, you can control how much goes in, and when it goes in - all from your easy-to-manage online account.


SIPP Features

  • Tax-efficient - no UK income tax or capital gains tax on pension investments
  • Tax relief - £10,000 in a pension could effectively cost you as little as £5,500 (£5,400 for Scottish taxpayers)
  • Contribute as much as you earn - exceptions apply, find out more
  • Flexible access - from age 55 (57 from 2028), take the money how you wish

Why choose Hargreaves Lansdown?

  • Financially secure FTSE 100 company with over 1 million clients
  • Wide investment choice - over 18,000 investments to choose from
  • Expertise - investment ideas from our expert analysts
  • Support on hand - expert Bristol-based helpdesk
  • Flexibility - invest from £25 per month, or a £100 one-off contribution

Transfer your pension

Move old pensions to the HL SIPP, making them easier to manage and giving them a better chance to grow.

Before transferring a pension please ensure you will not lose any valuable benefits or incur excessive exit fees. Pensions are usually transferred as cash meaning you will be out of the market for a period.


Low-cost investment

  • No set-up or transfer-in charges
  • No charge to buy or sell funds
  • Online share dealing from £11.95 or as low as £5.95 per deal
  • Annual charge of just 0.45%, or even lower for larger portfolios
  • Super-low annual charges on a range of leading funds
  • View our full list of charges

More about SIPPs Open a SIPP

92.5% of our clients rated our service as excellent, very good or good in a recent survey.

Source: HL client satisfaction survey, Nov 2019, 218 responses