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SIPPs

A Self Invested Personal Pension (SIPP) is a type of Personal Pension Plan and works in the same way for contributions, tax relief and eligibility. However, the main difference is that the SIPP has a more flexible approach to investments.

A conventional Personal Pension generally only allows investments to be made into ‘funds’. A SIPP allows the plan holder much greater freedom in what to invest in and for the plan to hold these investments directly.

This option is popular with investors who are more interested in their investments being actively managed by a professional investment adviser, or who want access to other types of investment such as commercial property or deposit accounts.