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Where do people invest their SIPPS?

Taking a closer look at our clients' choices

More about the HL SIPP

Most popular SIPP funds, by age

While you may be interested in how our clients invest their SIPPs, this is not a guide to how you should invest. Everyone is different, and the HL SIPP is designed for investors who prefer to make their own investment decisions.

The funds here are for July 2018 and listed in alphabetical order. Regular savings plans are not included. All investments fall as well as rise in value, so you could get back less than you invest.

There is a tiered annual charge to hold funds with HL of no more than 0.45%. See our charges.

Top 5 funds - HL SIPP clients in their 30s

Fund nameNet initial chargeAnnual charges
Ongoing charge (OCF/TER)Ongoing savingNet ongoing charge
Fundsmith Equity (Class I)0.00%0.95%0.00% 0.95%
HL Multi-Manager Special Situations Trust0.00%1.49%0.00% 1.49%
Legal & General International Index Trust (C)0.00%0.13%0.05% i0.08%
Lindsell Train Global Equity (Class D)0.00%0.74%0.20% i0.54%
Standard Life Inv Global Smaller Companies (S)0.00%1.06%0.27% i0.79%

Top 5 funds - HL SIPP clients in their 40s

Fund nameNet initial chargeAnnual charges
Ongoing charge (OCF/TER)Ongoing savingNet ongoing charge
Fundsmith Equity (Class I)0.00%0.95%0.00% 0.95%
HL Multi-Manager Special Situations Trust0.00%1.49%0.00% 1.49%
Jupiter Global Value Equity (Class X)0.00%0.95%0.42% i0.53%
Lindsell Train Global Equity (Class D)0.00%0.74%0.20% i0.54%
Standard Life Inv Global Smaller Companies (S)0.00%1.06%0.27% i0.79%

Top 5 funds - HL SIPP clients in their 50s

Fund nameNet initial chargeAnnual charges
Ongoing charge (OCF/TER)Ongoing savingNet ongoing charge
Baillie Gifford American (Class B)0.00%0.52%0.00% 0.52%
Fundsmith Equity (Class I)0.00%0.95%0.00% 0.95%
LF Lindsell Train UK Equity0.00%0.70%0.00% 0.70%
Lindsell Train Global Equity (Class D)0.00%0.74%0.20% i0.54%
Standard Life Inv Global Smaller Companies (S)0.00%1.06%0.27% i0.79%

Top 5 funds - HL SIPP clients in their 60s

Fund nameNet initial chargeAnnual charges
Ongoing charge (OCF/TER)Ongoing savingNet ongoing charge
Fundsmith Equity (Class I)0.00%0.95%0.00% 0.95%
Jupiter Global Value Equity (Class X)0.00%0.95%0.42% i0.53%
LF Lindsell Train UK Equity0.00%0.70%0.00% 0.70%
Lindsell Train Global Equity (Class D)0.00%0.74%0.20% i0.54%
Standard Life Inv Global Smaller Companies (S)0.00%1.06%0.27% i0.79%

Important information - Before investing you need to be aware of the risks, in particular that investments can go down as well as up in value, especially over the short term. Please remember, once in a pension, you can't normally access your money until at least age 55 (57 from 2028), up to 25% usually tax free and the rest taxed as income. Tax rules can change and the exact amount of relief available on contributions depends on your individual circumstances.

More about the HL SIPP