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Self-Invested Personal Pension (SIPP)

Important information - the value of investments can go down as well as up so you may not get back what you invest. Eligibility to invest in a SIPP depends on personal circumstances and all tax rules may change. You can't normally access money in a SIPP until age 55. It’s important to understand that pension transfers are a complex area and may not be suitable for everyone.

Looking after future you, today

A SIPP is a pension you manage yourself. You choose what it’s invested in, how much is paid into it and when. You can contribute in lump sums or with a regular savings plan.

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Start saving today

Pay from as little as £40 a month. HMRC will add 25% to each payment*

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Low fees

Benefit from our 0.35% fee if you invest £7,500, or set up a regular savings plan

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Here to help you

Our UK and Ireland based call centres are open six days a week.

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A wealth of choice

Thousands of funds and shares to choose from to help you reach your retirement goals.

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Expert guidance

Including insights and planning tools to help you on your way.

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Flexible retirement options

When the time comes to begin taking your pension.

*To pay in a total of £1,000 to your SIPP, you would only need to contribute £800, and the government would pay the other £200. If you pay income tax at above the basic rate, you can claim even more tax relief through your tax return or by writing to HMRC.

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How much can you save?

  • Pay from as little as £40 a month
  • Set up a regular savings plan or pay in lump sums
  • HMRC add 25% tax relief onto your payments
  • Pay as much as you like each year, and get tax relief on up to £40,000, depending on your circumstances.

A world of investment options

  • Over 3,000 funds
  • Large selection of UK shares, growing all the time
  • Bonds, investment trusts and exchange-traded funds (ETFs)
  • Ready-made investment solutions from our experts
Choose investments
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With you every step of the way

  • Access your pension 24/7 online or on our app.
  • Expert guidance emails and articles to help you invest
  • Our advice service can help find your best retirement solution

Pensions all over the place? Sounds exhausting

Make life easier and be better prepared for the future by bringing your pensions together. Plus get £20 to £1,000 cashback (exclusions, T&Cs apply)

Time to take control of your retirement

Open a SIPP

Start a regular savings plan from £40, or make a lump sum payment of at least £800.

Transfer a pension

Enter details of your current provider, we'll do the rest and let you know when it's complete.

If your employer will be the primary payer to the SIPP, you can open an account with the Employer SIPP form.

If someone else (e.g. your partner) will be the primary payer, open your account with the Third party SIPP form.

 

Need help?

Call our UK & Ireland-based team

0333 300 3350

Weekdays 8am - 6pm & Saturdays 9am - 2pm

SIPP FAQs

What are the SIPP eligibility rules?
Who can contribute to my SIPP?
Is my pension taxable?
How much does Fidelity's SIPP cost?
Can I transfer my pension to Fidelity's SIPP?
What pensions are available for self-employed workers?

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This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.