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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 please seek advice.

Why invest in a SIPP?

A SIPP, like other pensions 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), you’ll get at least 20% tax relief
  • 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, up to 25% tax free and the rest taxable

Why choose Hargreaves Lansdown?

  • Financially secure FTSE 100 company with over 1.5 million clients
  • Wide investment choice - thousands of 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
  • Market leading savings on a range of funds
  • View our full list of charges

More about SIPPs Open a SIPP

The HL platform provides a very easy way of managing my SIPP. The recent pension transfer into my SIPP was flawless, and executed perfectly, with very good level of communication.

MR FABIJANIC, Middlesex


HL SIPP awards