{"id":169062,"date":"2019-04-23T13:06:58","date_gmt":"2019-04-23T12:06:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=169062"},"modified":"2026-04-01T03:26:20","modified_gmt":"2026-04-01T02:26:20","slug":"self-invested-personal-pensions","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions","title":{"rendered":"Self-invested personal pensions (SIPPs)"},"content":{"rendered":"<p>Self-invested personal pensions (SIPPs) are a type of <a href=\"https:\/\/www.finder.com\/uk\/pensions\/private-pension\">private pension<\/a> where you manage the investments yourself. Used correctly, a SIPP is an excellent long-term wealth building tool that could leave you with a bigger retirement pot \u2013 or even an earlier retirement. <\/p><p>However, to make the most of a SIPP, you\u2019ll need to understand how they work. And be prepared to research and make your own retirement portfolio investments.<\/p><h3>Compare the best SIPP providers<\/h3><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"d73ea1fc-880e-48be-9f33-ea3450ac8f49\" data-template=\"comparison\" data-niche=\"UKFSF\" data-site=\"UKFSF\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"UKFSF-Comparison\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"169062\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFSF\",\"fieldset\":\"UKFSF-Comparison\",\"template\":\"comparison\",\"category_id\":\"d73ea1fc-880e-48be-9f33-ea3450ac8f49\",\"category_name\":\"SIPPs table\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778709611}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-d73ea1fc-880e-48be-9f33-ea3450ac8f49\">7 of 7 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated\n\t\t\t\t\tregularly<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFSF\" data-site=\"UKFSF\" data-table-id=\"2757\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFSF\",\"fieldset\":\"UKFSF-Comparison\",\"template\":\"comparison\",\"category_id\":\"d73ea1fc-880e-48be-9f33-ea3450ac8f49\",\"category_name\":\"SIPPs table\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778709611}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfsf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"7\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"14a953f8b1b3e95a221f424fe2643e22e73933dcf4fa5f89e89d6ecdc25d42dc\" data-table-record-type=\"product\" data-table-record-ids='[\"a61929b1-ef95-402a-b516-5f77e1696958\",\"6d2382c9-787a-4fdb-b0c6-b52c554ebb66\",\"2738bd59-dac4-4149-8678-dd128d4e549d\",\"f782e732-5d27-4ecd-b97d-467377fb472c\",\"01e8f2bb-04ab-4087-8f09-4c1126316458\",\"58109dc8-44e6-4cb4-8072-7662c317ecc3\",\"f50c5260-f82b-4665-af8b-d5a990d2b3d8\"]' data-total-data=\"7\" data-enable-top-filters=\"false\" data-total-product-count=\"7\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-4\"><th data-ajax-table-sorter-column=\"PRODUCT.SIPP.MIN_INITIAL_INVESTMENT\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"min_investment\">\n                                                        Min investment\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.SIPP.MIN_MONTHLY_INVESTMENT\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"min_monthly_investment\">\n                                                        Min monthly investment\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.SIPP.NUMBER_OF_FUNDS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"number_of_funds\">\n                                                        Number of funds\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSF.PRODUCT.DATAPOINT_TICK_TRANSFER_IN\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"transfer_available\">\n                                                        Transfer available\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.DESCRIPTIONS.BRAND_DESCRIPTION\" class=\"comparison-table__feature comparison-table__feature--longtext tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"brand_description\">\n                                                        Brand description\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"a61929b1-ef95-402a-b516-5f77e1696958\" data-provider-id=\"55bc9ea8-e281-4ca2-9af9-a4c5f64af13f\" data-product-name=\"Freetrade SIPP\" data-provider-name=\"Freetrade\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/freetrade-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/60fa9134ac6c8.png\" alt=\"Freetrade logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60fa9134ac6c8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60fa9134ac6c8.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/60fa9134ac6c8.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/60fa9134ac6c8.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/60fa9134ac6c8.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/freetrade-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Freetrade SIPP<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"0\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min investment\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"0\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min monthly investment\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"6200\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Number of funds\">\n                        6200\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsf.product.datapoint_tick_transfer_in\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Transfer available\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before {   \tdisplay: none;   }<\/style><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/freetradesipp-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSF%22%2C%22fieldset%22%3A%22UKFSF-Comparison%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22d73ea1fc-880e-48be-9f33-ea3450ac8f49%22%2C%22category_name%22%3A%22SIPPs%2Btable%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778709611%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22Freetrade%2BSIPP%22%2C%22product_id%22%3A%22a61929b1-ef95-402a-b516-5f77e1696958%22%2C%22offer_id%22%3A%2226981%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--cta no-margin-bottom\" title=\"Go to the Freetrade website to learn more about this product\">      Go to site\t<\/a><p class=\"disclaimer-text disclaimer-text__right\">Capital at risk<\/p><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/freetrade-review\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Further details about the Freetrade SIPP\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-a61929b1-ef95-402a-b516-5f77e1696958\" value=\"a61929b1-ef95-402a-b516-5f77e1696958\" name=\"productID\" _productname=\"                            Freetrade SIPP            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"a61929b1-ef95-402a-b516-5f77e1696958\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-a61929b1-ef95-402a-b516-5f77e1696958\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"6d2382c9-787a-4fdb-b0c6-b52c554ebb66\" data-provider-id=\"7e01ce52-92ad-4c2f-a03d-98c9ff4da2bc\" data-product-name=\"Hargreaves Lansdown SIPP\" data-provider-name=\"Hargreaves Lansdown\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/pensions\/hargreaves-lansdown\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png\" alt=\"Hargreaves Lansdown logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/pensions\/hargreaves-lansdown\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Hargreaves Lansdown SIPP<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"100\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min investment\">\n                        \u00a3100\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"25\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min monthly investment\">\n                        \u00a325\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"2500\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Number of funds\">\n                        2500\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsf.product.datapoint_tick_transfer_in\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Transfer available\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before {   \tdisplay: none;   }<\/style><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/hlpensions-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSF%22%2C%22fieldset%22%3A%22UKFSF-Comparison%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22d73ea1fc-880e-48be-9f33-ea3450ac8f49%22%2C%22category_name%22%3A%22SIPPs%2Btable%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778709611%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%222%22%2C%22product_name%22%3A%22Hargreaves%2BLansdown%2BSIPP%22%2C%22product_id%22%3A%226d2382c9-787a-4fdb-b0c6-b52c554ebb66%22%2C%22offer_id%22%3A%2215428%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--cta no-margin-bottom\" title=\"Go to the Hargreaves Lansdown website to learn more about this product\">      Go to site\t<\/a><p class=\"disclaimer-text disclaimer-text__right\">Capital at risk<\/p><a href=\"https:\/\/www.finder.com\/uk\/pensions\/hargreaves-lansdown\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Further details about the Hargreaves Lansdown SIPP\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-6d2382c9-787a-4fdb-b0c6-b52c554ebb66\" value=\"6d2382c9-787a-4fdb-b0c6-b52c554ebb66\" name=\"productID\" _productname=\"                            Hargreaves Lansdown SIPP            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"6d2382c9-787a-4fdb-b0c6-b52c554ebb66\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-6d2382c9-787a-4fdb-b0c6-b52c554ebb66\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"2738bd59-dac4-4149-8678-dd128d4e549d\" data-provider-id=\"dcfe2b6c-7b3a-4f2d-85a4-aabea0588b09\" data-product-name=\"InvestEngine SIPP\" data-provider-name=\"InvestEngine\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/651eaa652e75d.png\" alt=\"InvestEngine logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/651eaa652e75d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/651eaa652e75d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/651eaa652e75d.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/651eaa652e75d.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/651eaa652e75d.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>InvestEngine SIPP<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"100\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min investment\">\n                        \u00a3100\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"0\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min monthly investment\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"790+ ETFs\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Number of funds\">\n                        790+ ETFs\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsf.product.datapoint_tick_transfer_in\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Transfer available\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><span class=\"table-popover\" rel=\"popover\" data-content=\"Vanguard only\" title=\"\" data-original-title=\"More info\" tabindex=\"0\" style=\"line-height: 36px;\"><\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\"><strong>Welcome bonus<\/strong>: Get a welcome bonus of up to \u00a3200 when you invest at least \u00a3100. Use code \u201cFINDER\u201d. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before {   \tdisplay: none;   }<\/style><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/investenginesipp-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSF%22%2C%22fieldset%22%3A%22UKFSF-Comparison%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22d73ea1fc-880e-48be-9f33-ea3450ac8f49%22%2C%22category_name%22%3A%22SIPPs%2Btable%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778709611%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%223%22%2C%22product_name%22%3A%22InvestEngine%2BSIPP%22%2C%22product_id%22%3A%222738bd59-dac4-4149-8678-dd128d4e549d%22%2C%22offer_id%22%3A%2225256%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--cta no-margin-bottom\" title=\"Go to the InvestEngine website to learn more about this product\">      Go to site\t<\/a><p class=\"disclaimer-text \">Capital at risk<\/p><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Further details about the InvestEngine SIPP\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-2738bd59-dac4-4149-8678-dd128d4e549d\" value=\"2738bd59-dac4-4149-8678-dd128d4e549d\" name=\"productID\" _productname=\"                            InvestEngine SIPP            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"2738bd59-dac4-4149-8678-dd128d4e549d\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-2738bd59-dac4-4149-8678-dd128d4e549d\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"f782e732-5d27-4ecd-b97d-467377fb472c\" data-provider-id=\"ed5b6f7d-f3ee-4e04-8c11-fc3806d96538\" data-product-name=\"Interactive Investor SIPP\" data-provider-name=\"Interactive Investor\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/interactive-investor-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png\" alt=\"Interactive Investor logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/interactive-investor-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Interactive Investor SIPP<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"0\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min investment\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"25\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min monthly investment\">\n                        \u00a325\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"3000\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Number of funds\">\n                        3000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsf.product.datapoint_tick_transfer_in\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Transfer available\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\"><strong>Cashback<\/strong>: New customers can get \u00a3200 cashback when opening a SIPP with at least \u00a320,000 before 31 May. Capital at risk. T&amp;Cs apply.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before {   \tdisplay: none;   }<\/style><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/iipensions-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSF%22%2C%22fieldset%22%3A%22UKFSF-Comparison%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22d73ea1fc-880e-48be-9f33-ea3450ac8f49%22%2C%22category_name%22%3A%22SIPPs%2Btable%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778709611%22%2C%22position%22%3A%224%22%2C%22product_name%22%3A%22Interactive%2BInvestor%2BSIPP%22%2C%22product_id%22%3A%22f782e732-5d27-4ecd-b97d-467377fb472c%22%2C%22offer_id%22%3A%2225112%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--cta no-margin-bottom\" title=\"Go to the Interactive Investor website to learn more about this product\">      Go to site\t<\/a><p class=\"disclaimer-text disclaimer-text__right\">Capital at risk<\/p><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/interactive-investor-review\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Further details about the Interactive Investor SIPP\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-f782e732-5d27-4ecd-b97d-467377fb472c\" value=\"f782e732-5d27-4ecd-b97d-467377fb472c\" name=\"productID\" _productname=\"                            Interactive Investor SIPP            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f782e732-5d27-4ecd-b97d-467377fb472c\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-f782e732-5d27-4ecd-b97d-467377fb472c\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"01e8f2bb-04ab-4087-8f09-4c1126316458\" data-provider-id=\"e130b02b-791e-4608-bbd6-20e6b173f4ec\" data-product-name=\"AJ Bell SIPP\" data-provider-name=\"AJ Bell\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/pensions\/aj-bell\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/65955af96c5c0.jpg\" alt=\"AJ Bell logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/65955af96c5c0.jpg?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65955af96c5c0.jpg?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65955af96c5c0.jpg?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/65955af96c5c0.jpg?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/65955af96c5c0.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/pensions\/aj-bell\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">AJ Bell SIPP<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"500\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min investment\">\n                        \u00a3500\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"25\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min monthly investment\">\n                        \u00a325\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"4000+\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Number of funds\">\n                        4000+\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsf.product.datapoint_tick_transfer_in\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Transfer available\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext\" data-sortvalue=\"AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Brand description\">\n                        AJ Bell has two different pension options, a self managed pension and one that is managed for you. Capital at risk.\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before {   \tdisplay: none;   }<\/style><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/ajbellsipp-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSF%22%2C%22fieldset%22%3A%22UKFSF-Comparison%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22d73ea1fc-880e-48be-9f33-ea3450ac8f49%22%2C%22category_name%22%3A%22SIPPs%2Btable%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778709611%22%2C%22position%22%3A%225%22%2C%22product_name%22%3A%22AJ%2BBell%2BSIPP%22%2C%22product_id%22%3A%2201e8f2bb-04ab-4087-8f09-4c1126316458%22%2C%22offer_id%22%3A%2217853%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--cta no-margin-bottom\" title=\"Go to the AJ Bell website to learn more about this product\">      Go to site\t<\/a><p class=\"disclaimer-text disclaimer-text__right\">Capital at risk<\/p><a href=\"https:\/\/www.finder.com\/uk\/pensions\/aj-bell\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Further details about the AJ Bell SIPP\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-01e8f2bb-04ab-4087-8f09-4c1126316458\" value=\"01e8f2bb-04ab-4087-8f09-4c1126316458\" name=\"productID\" _productname=\"                            AJ Bell SIPP            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"01e8f2bb-04ab-4087-8f09-4c1126316458\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-01e8f2bb-04ab-4087-8f09-4c1126316458\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"58109dc8-44e6-4cb4-8072-7662c317ecc3\" data-provider-id=\"ce41a65d-7cd2-4c84-90f4-b16419962c2a\" data-product-name=\"Charles Stanley SIPP\" data-provider-name=\"Charles Stanley\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66b0adf558123.png\" alt=\"Charles Stanley logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66b0adf558123.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66b0adf558123.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66b0adf558123.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66b0adf558123.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66b0adf558123.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Charles Stanley SIPP<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"0\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min investment\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"0\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min monthly investment\">\n                        \u00a30\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"12000\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Number of funds\">\n                        12000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsf.product.datapoint_tick_transfer_in\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Transfer available\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--longtext comparison-table__feature--offer sorter-false \" data-sortvalue=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-offer js-calculator-table-value\" data-heading=\"Default Offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><span class=\"offer-content\"><strong>Cashback<\/strong>: Get up to \u00a31,500 cashback when you transfer your cash and\/or investments to Charles Stanley Direct. T&amp;Cs apply. Capital at risk.\n      <\/span><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before {   \tdisplay: none;   }<\/style><a target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/charlesstanleysipp-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSF%22%2C%22fieldset%22%3A%22UKFSF-Comparison%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22d73ea1fc-880e-48be-9f33-ea3450ac8f49%22%2C%22category_name%22%3A%22SIPPs%2Btable%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778709611%22%2C%22position%22%3A%226%22%2C%22product_name%22%3A%22Charles%2BStanley%2BSIPP%22%2C%22product_id%22%3A%2258109dc8-44e6-4cb4-8072-7662c317ecc3%22%2C%22offer_id%22%3A%2225028%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--cta no-margin-bottom\" title=\"Go to the Charles Stanley website to learn more about this product\">      Go to site\t<\/a><p class=\"disclaimer-text \">Capital at risk<\/p><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Further details about the Charles Stanley SIPP\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-58109dc8-44e6-4cb4-8072-7662c317ecc3\" value=\"58109dc8-44e6-4cb4-8072-7662c317ecc3\" name=\"productID\" _productname=\"                            Charles Stanley SIPP            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"58109dc8-44e6-4cb4-8072-7662c317ecc3\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-58109dc8-44e6-4cb4-8072-7662c317ecc3\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"f50c5260-f82b-4665-af8b-d5a990d2b3d8\" data-provider-id=\"9680390a-d2fa-4222-978a-a9da2d1f58de\" data-product-name=\"Aviva Pension\" data-provider-name=\"Aviva\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/68f2520d2ddca.png\" alt=\"Aviva logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68f2520d2ddca.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68f2520d2ddca.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68f2520d2ddca.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/68f2520d2ddca.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/68f2520d2ddca.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><span>Aviva Pension<\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"25\" data-column-index=\"1\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min investment\">\n                        \u00a325\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"25\" data-column-index=\"2\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Min monthly investment\">\n                        \u00a325\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"5,000+\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Number of funds\">\n                        5,000+\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfsf.product.datapoint_tick_transfer_in\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Transfer available\"><svg class=\"luna-icon luna-icon--success luna-icon--medium\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before {   \tdisplay: none;   }<\/style><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Further details about the Aviva Pension\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-f50c5260-f82b-4665-af8b-d5a990d2b3d8\" value=\"f50c5260-f82b-4665-af8b-d5a990d2b3d8\" name=\"productID\" _productname=\"                            Aviva Pension            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"f50c5260-f82b-4665-af8b-d5a990d2b3d8\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-f50c5260-f82b-4665-af8b-d5a990d2b3d8\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: 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Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n          const dealsEndsEl = rewardsProduct.querySelector(\".deals-ends\");\n          const dealsPhoneEl = rewardsProduct.querySelector(\".deals-phone\");\n\n          if (dealsEndsEl && dealsEndsEl.style.display !== \"inline-flex\") {\n            dealsEndsEl.style.display = \"inline-flex\";\n          }\n          if (dealsPhoneEl && dealsPhoneEl.style.top !== \"23px\") {\n            dealsPhoneEl.style.top = \"23px\";\n          }\n        }\n\n        \/\/ Initialize countdown timer\n        initCountdownTimer(rewardsProduct, endDateStr);\n\n        const dealsLeftEl = rewardsProduct.querySelector(\".deals-left\");\n        const dealsList = rewardsProduct.querySelector(\".deals-list\");\n        const dealsHeader = rewardsProduct.querySelector(\".deals-header\");\n\n        const handleClick = (triggerEl) => 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wrapper.style.display = \"none\";\n            return;\n          }\n\n          const days = Math.floor(remaining \/ (1000 * 60 * 60 * 24));\n          const hours = Math.floor((remaining % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n          const minutes = Math.floor((remaining % (1000 * 60 * 60)) \/ (1000 * 60));\n          const seconds = Math.floor((remaining % (1000 * 60)) \/ 1000);\n\n          if (daysEl) daysEl.textContent = days + \"d\";\n          if (hoursEl) hoursEl.textContent = hours + \"h\";\n          if (minutesEl) minutesEl.textContent = minutes + \"m\";\n          if (secondsEl) secondsEl.textContent = seconds + \"s\";\n        };\n\n        updatePillCountdown();\n        interval = setInterval(updatePillCountdown, 1000);\n      });\n    }\n\n    initPillCountdowns();\n\n    const allTables = document.querySelectorAll(\"table\");\n    allTables.forEach((table) => {\n      const observer = new MutationObserver(() => {\n        setTimeout(initPillCountdowns, 0);\n      });\n      observer.observe(table, { childList: true, subtree: true });\n    });\n  });\n})();\n<\/script><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-d73ea1fc-880e-48be-9f33-ea3450ac8f49 comparison-table__dataCount\">Showing\n\t\t\t7\n\t\t\tof\n\t\t\t7\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFSF\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><p>All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you\u2019re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.<\/p><\/div><\/article><br>\n<style>\n.newpicks.topPicksF1 .topPicks__card { border: 2px solid #232320; border-radius: 1rem; -webkit-box-shadow: 4px 6px 0 0 #232320; box-shadow: 4px 6px 0 0 #232320; margin-right: 4px; }\n.pickfor { line-height: 20px; box-sizing: border-box; display: flex; flex-direction: column; justify-content: center; background-color: #e5f7ff; border-radius: 0.9rem 0.9rem 0 0; min-height: 58px; }\n.pickpros, .gxfcydsc { font-size: 14.75px; letter-spacing: -0.1px; line-height: 21px; }\n.topPicks__card { overflow: visible !important; }\n.topPicks__card figure.award { padding-bottom: 20px; margin: -3px auto 3px auto; }\n.topPicks__card span.gx-badge__body { box-sizing: border-box !important; }\n.topPicks__card figure.noward { padding: 10px; }\n.newpicks.flex { display: flex; flex-wrap: nowrap; overflow: auto; }\n.newpicks .flex-item { flex: 0 0 auto; margin-right: 10px !important;  width: calc((100% - 20px) \/ 3) !important; max-width: 280px; }\n.topPicks__optionalLabel span.table-popover::before { margin: 0px 0px -2px 2px; }\n.topPicks__card .text-small.dsclmr { font-size: 16px; letter-spacing: -.28px; }\n@media only screen and (min-width: 960px) { .newpicks { -webkit-box-pack: center; -webkit-justify-content: center; -ms-flex-pack: center; justify-content: center; } }\n@media only screen and (max-width: 960px) { .newpicks .flex-item { min-width: 270px; } }\n.newpicks .pick { line-height: 1.4em; min-height: 3.3em; }\n.newpicks .flex-item article { border-radius: 0.7em; }\n.newpicks .topPicks__optionalLabel { font-weight: 600; padding: 0.5em 0.65em 0.6em; width: auto; font-size: 0.875rem; line-height: 17px; margin-top: 0px !important; }\n<\/style>\n\n\n\n\n\n\n<div id=\"toppicks\" class=\"newpicks impression__toppicks-container u-grid u-grid--alignStretch u-grid--gutterCollapse flex has-padding-top-xsmall topPicksF1\" data-count-items=\"3\">\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for customer satisfaction <\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png\" class=\"topPicks__image\" alt=\"Hargreaves Lansdown SIPP logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5c52fd243b7a3.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-xxsmall\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to Hargreaves Lansdown\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/hlpensions-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%226d2382c9-787a-4fdb-b0c6-b52c554ebb66%22%2C%22product_name%22%3A%22Hargreaves%2BLansdown%2BSIPP%22%2C%22offer_id%22%3A%2215428%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFSF%22%2C%22position%22%3A%221%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">Capital at risk. T&amp;Cs apply.<\/div>\n\n<div class=\"ukfin_offrpll\">\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Free fund dealing<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Low 0.35% SIPP fee<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Top-rated customer service<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for mobile app <\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png\" class=\"topPicks__image\" alt=\"Interactive Investor SIPP logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68d26f5e28f08.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-xxsmall\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to Interactive Investor\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/iipensions-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22f782e732-5d27-4ecd-b97d-467377fb472c%22%2C%22product_name%22%3A%22Interactive%2BInvestor%2BSIPP%22%2C%22offer_id%22%3A%2225112%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFSF%22%2C%22position%22%3A%222%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">Capital at risk. T&amp;Cs apply.<\/div>\n\n<div class=\"ukfin_offrpll\">\n<div class=\"topPicks__optionalLabel aligncenter box u-rounded--lg\" style=\"background: #e5ffed; border: 1px solid #1dd751;\"><svg class=\"luna-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 256 256\" role=\"img\" aria-label=\"Special offer\" style=\"width: 17px; height: 17px; margin-right: 3px;\"><path fill=\"#1dd751\" d=\"M208 128v72a8 8 0 0 1-8 8H56a8 8 0 0 1-8-8v-72Z\"><\/path><path fill=\"#232320\" d=\"M216 72h-35.08q.6-.49 1.17-1A29.5 29.5 0 0 0 192 49.57 32.6 32.6 0 0 0 158.44 16 29.5 29.5 0 0 0 137 25.91a55 55 0 0 0-9 14.48 55 55 0 0 0-9-14.48A29.5 29.5 0 0 0 97.56 16 32.6 32.6 0 0 0 64 49.57 29.5 29.5 0 0 0 73.91 71q.58.49 1.17 1H40a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16v64a16 16 0 0 0 16 16h144a16 16 0 0 0 16-16v-64a16 16 0 0 0 16-16V88a16 16 0 0 0-16-16m-67-35.49a13.7 13.7 0 0 1 10-4.5h.49A16.6 16.6 0 0 1 176 49.08a13.7 13.7 0 0 1-4.5 10c-9.49 8.4-25.24 11.36-35 12.4 1.2-10.59 4.5-25.98 12.5-34.97m-64.09.36A16.6 16.6 0 0 1 96.59 32h.49a13.7 13.7 0 0 1 10 4.5c8.39 9.48 11.35 25.2 12.39 34.92-9.72-1-25.44-4-34.92-12.39a13.7 13.7 0 0 1-4.5-10 16.6 16.6 0 0 1 4.82-12.16ZM40 88h80v32H40Zm16 48h64v64H56Zm144 64h-64v-64h64Zm16-80h-80V88h80z\"><\/path><\/svg>\u00a3200 cashback<span class=\"table-popover\" data-placement=\"top\" rel=\"popover\" data-content=\"New customers can get \u00a3200 cashback when opening a SIPP with at least \u00a320,000 before 31 May. Capital at risk. T&amp;Cs apply.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/div>\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Flat monthly SIPP fee<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Free regular investing<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> No drawdown charges<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\" style=\"margin-right: 0px !important;\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for ease of use <\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5e4ea0f8f2e33.png\" class=\"topPicks__image\" alt=\"Moneyfarm SIPP logo\" width=\"97\" height=\"60\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5e4ea0f8f2e33.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5e4ea0f8f2e33.png?fit=291 291w\" sizes=\"(max-width: 291px) 100vw, 291px\" loading=\"lazy\">\n<\/figure>\n\n\n<div class=\"has-padding-top-small has-padding-bottom-xxsmall\"><a class=\" luna-button luna-button--success  luna-button--fluid  impression__toppicks-cta\" style=\"text-wrap: wrap;\" title=\"Go to Moneyfarm\" rel=\"sponsored nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/pensions\/moneyfarmpensions-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22957f2bca-f23e-4983-91cf-71548ad8ad7b%22%2C%22product_name%22%3A%22Moneyfarm%2BSIPP%22%2C%22offer_id%22%3A%2215571%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CTA_UKFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22UKFSF%22%2C%22position%22%3A%223%22%2C%22post_id%22%3A%22169062%22%2C%22post_path%22%3A%22pensions%252Fself-invested-personal-pensions%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">Capital at risk. T&amp;Cs apply.<\/div>\n\n<div class=\"ukfin_offrpll\">\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Personal advisors as standard\r<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Globally diversified portfolios, fully managed in-house\r<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Single account fee, which reduces as your pot grows\r<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n<style>@media only screen and (min-width: 601px) { .ukfin_offrpll { min-height: 46px; } }<\/style><\/div>\n\n\n<div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n\t<div class=\"luna-accordion\" data-accordion=\"accordion\">\n\t\t<div class=\"luna-accordion__summary\">\n\t\t\t<h4 class=\"luna-accordion__heading\">\n\t\t\t\t<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000003\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000003\">\n\t\t\t\t\t<span class=\"luna-accordion__title\">How we chose these cards<\/span>\n\t\t\t\t\t<svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n\t\t\t\t\t\t<use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/button>\n\t\t\t<\/h4>\n\t\t<\/div>\n\t\t<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000003\" data-accordion=\"details\" style=\"height: 0px;\">\n\t\t\t<div class=\"accordionContent\">\u201cBest for\u201d picks are those we\u2019ve evaluated to be best for certain product features or categories. They\u2019re chosen from among the brands we work with. If we show a \u201cPromoted for\u201d pick, this means it\u2019s been chosen from among our partners and is based on factors that include special features or offers, and the commission we receive. Keep in mind that our picks may not always be the best fit for you, and it\u2019s important to compare for yourself to find a product that works for you.<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<h3>What is a self-invested personal pension?<\/h3><p>A SIPP, or self-invested personal pension, is a type of private pension. With SIPPs, you get full control over the account and the investments held within it. It\u2019s a responsbility that can be both a blessing and a curse.<\/p><h3>What\u2019s the difference between a SIPP and a personal pension?<\/h3><p>SIPPs are a subset of personal pensions. So they\u2019re in the same family but there are a few key differences between SIPPs and standard personal pensions.<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><strong>Standard personal pensions<\/strong><ul><li>Suitable for those with less experience in investing.<\/li><li>The pension provider manages your investments on your behalf. You can usually choose the broad <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/investment-strategies\">investment strategy<\/a>.<\/li><li>Some personal pensions can be more expensive because of the fund management costs.<\/li><li>The specifics of your portfolio are managed by the fund\u2019s investment experts.<\/li><li>You have less control over the portfolio.<\/li><li>Charges can be lower than SIPPs because investments are made as bulk orders.<\/li><\/ul><\/div><\/article><\/div><div class=\"u-grid__col u-1\/2@s\"><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><strong>Self-invested personal pensions<\/strong><ul><li>Suitable if you have some investing knowledge or feel comfortable making investment decisions.<\/li><li>Management of your pension investments is down to you.<\/li><li>Choose your own investments; you can typically choose from a much wider and more sophisticated range of investments than with other personal pensions.<\/li><li>You can manage your investments yourself, hire an investment adviser or use a provider\u2019s services.<\/li><li>Some SIPPs can be more expensive than personal pensions but there are now low-cost cheaper options.<\/li><\/ul><\/div><\/article><\/div><\/div><h3>SIPP structure<\/h3><p>In their structure, SIPPs work largely in a similar way to <a href=\"https:\/\/www.finder.com\/uk\/pensions\/defined-contribution-pension-schemes\">defined-contribution (DC) pension schemes <\/a>. You pay in money into a pot that\u2019s invested, with the aim of growing that pot until you retire. <\/p><p>Using a SIPP means you get to benefit from all the tax advantages of a regular private pension. The key difference is that you get more choice and control over this account. And armed with the right knowledge, a SIPP can be a fantastic asset to your long-term financial planning.<\/p><h3>SIPP pension rules<\/h3><p>Here\u2019s an overview of the key SIPP rules you should know about:<\/p><ul><li>You can only access your pot once you reach 55 (rising to 57 in 2028)<\/li><li>You\u2019re able to contribute up to \u00a360,000 each year (or 100% of your salary)<\/li><li>Contributions made will get a tax-relief top up from the government (20% to 45% depending on your tax bracket)<\/li><li>You can have a SIPP and a <a href=\"https:\/\/www.finder.com\/uk\/pensions\/workplace-pensions\">workplace pension<\/a><\/li><li>A SIPP can be used to invest in a wide variety of investments (including purchasing property)<\/li><li>Anyone under 75 can open and pay into a SIPP<\/li><li>To use a SIPP you have to be a UK resident<\/li><li>At retirement you can take up to 25% as a tax-free lump sum<\/li><li>Can usually be passed on outside of your estate and free from inheritance tax<\/li><\/ul><h3>Who should consider a SIPP?<\/h3><p>In general, SIPPs tend to be better suited for more experienced investors or those making larger or more complex contributions who want more flexibility. <\/p><p>SIPPs are particularly useful for anyone who\u2019s self-employed that can\u2019t rely on a workplace pension. If you\u2019re your own boss, you need to take care of your retirement plans and a SIPP is a great tool to help. <\/p><p>If managing your own retirement portfolio will keep you up at night, a SIPP may not be the best option. One of the main advantages of a SIPP is getting to manage and pick investments yourself. However, there are still ways to get a managed SIPP or professional advice \u2013 you always have options. <\/p><p>Most SIPPs are managed using digital investment platforms and some of the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps\">best trading platforms<\/a> now offer the option to hold a SIPP. But you\u2019ll need to use a platform you can find your way around because if you\u2019re in control, you\u2019ll want to make sure you feel comfortable using that provider.<\/p><h3>What are the advantages of saving into a self-invested personal pension?<\/h3><p>SIPPs share many of the same advantages as saving into any personal pension, including:<\/p><ul><li><strong>Retirement options.<\/strong> They provide a vessel for those without a workplace pension, or those who want to save more than they can in a workplace pension, to save for retirement.<\/li><li><strong>Tax relief.<\/strong> Contributions into a SIPP qualify for tax relief. You\u2019ll usually receive basic-rate (20%) income tax relief at source (meaning that the tax you would have paid on each contribution is added straight into your pension pot). If you are a higher-rate (40% or 45%) taxpayer, you can claim the extra via your tax return or by <a href=\"https:\/\/www.gov.uk\/claim-tax-refund\" target=\"_blank\" rel=\"noopener\">applying directly for a tax refund<\/a>.<\/li><li><strong>Investment options.<\/strong> The investment choice you can get with a SIPP gives you greater control and the flexibility to ensure your retirement pot is invested exactly how you want.<\/li><li><strong>Unique benefits.<\/strong> SIPPs have some unique features like being able to use your SIPP to invest in commercial property.<\/li><\/ul><h3>What should I look out for when choosing a SIPP?<\/h3><p>If you\u2019ve weighed up your options and are certain that you want a SIPP, there are a few things to think about, including:<\/p><ul><li><strong>SIPP type.<\/strong> The type of SIPP you want; low-cost, full access or robo-advisor (we explain the differences between each type below).<\/li><li><strong>Platform fees.<\/strong> The charges for opening and maintaining an account (most platforms have some sort of monthly or annual fee).<\/li><li><strong>Investing costs.<\/strong> Any costs or fees to buy or sell investments.<\/li><li><strong>Minimum contributions.<\/strong> Any restrictions around contributions like minimum monthly deposits or lump sums.<\/li><li><strong>Penalties.<\/strong> If you can pause, restart or defer payments into the accont, without penalty.<\/li><li><strong>Investment choice.<\/strong> The range of investment options available suit your preferences, appetite for risk and investing goals.<\/li><li><strong>Support.<\/strong> The guidance and support that the provider offers to help plan for your retirement.<\/li><li><strong>Accessing the pot.<\/strong> Your options for accessing and withdrawing funds once you reach retirement.<\/li><li><strong>Transfer costs.<\/strong> Any costs or fees if you decide to transfer your SIPP elsewhere.<\/li><li><strong>Communication.<\/strong> How you\u2019ll receive updates about your investments.<\/li><li><strong>Portfolio management methods.<\/strong> Whether you can manage your investments by phone or post, as well as online.<\/li><\/ul><p>If you\u2019re not sure where to start with your SIPP, you may want to seek independent <a href=\"https:\/\/www.finder.com\/uk\/pensions\/retirement-advice\">financial advice<\/a>. There will usually be a charge for this, but it will save you time and effort and help make sure you select the right path for your specific circumstances.<\/p><h3>What are the different types of SIPP?<\/h3><p>There are 3 broad categories of SIPP, though the boundaries can sometimes blur.<\/p><h4>1. Low-cost DIY SIPPs<\/h4><p>While all SIPPs are DIY (do it yourself) to a certain extent, SIPPs with the lowest charges tend to leave you completely to your own devices. <\/p><p>While some may offer online tools or apps to make portfolio management easier, you typically won\u2019t get any investment guidance or advice. <\/p><p>The range of investment assets available will tend to be fairly mainstream; including popular types of investments you\u2019d access with an investment account \u2013 like stocks, bonds, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\">exchange-traded funds (ETFs)<\/a> and investment trusts.<\/p><p><strong>Pros of low-cost SIPPs:<\/strong><\/p><ul><li>The clue is in the name \u2013 they\u2019re likely to be your cheapest SIPP option.<\/li><li>You have full control over the management of your investments.<\/li><li>There a now quite a few low-cost SIPPs to choose between.<\/li><\/ul><p><strong>Cons of low-cost SIPPs:<\/strong><\/p><ul><li>No support or advice on what to invest in.<\/li><li>Sometimes a smaller range of investments.<\/li><li>You\u2019ll need to have the time to manage it yourself.<\/li><\/ul><h4>2. Robo-advisor SIPPs<\/h4><p>With these platforms you\u2019re asked a series of questions about your goals, appetite for risk and investment preferences, and a \u201c<a href=\"https:\/\/www.finder.com\/uk\/share-trading\/robo-advisors\">robo-advisor<\/a>\u201d will allocate you a suitable portfolio of investments and manage them on your behalf. <\/p><p>They can be a good half-way house between a standard personal pension, where you have very little control over where your money is invested, and a fully DIY SIPP. They do tend to be more expensive than low-cost DIY SIPPs though. And, despite the name, they\u2019re not a substitute for full, personalised financial advice.<\/p><p><strong>Pros of robo-advisor SIPPs:<\/strong><\/p><ul><li>Offer limited (automated) support to help you make investment choices.<\/li><li>May be a good halfway option between a full DIY SIPP and a standard personal pension.<\/li><li>Can still be quite a cheap SIPP option.<\/li><li>Many robo-advisor SIPPs come with excellent apps.<\/li><\/ul><p><strong>Cons of robo-advisor SIPPs:<\/strong><\/p><ul><li>Typically more expensive than DIY SIPPs.<\/li><li>Sometimes have quite high minimum contributions.<\/li><li>\u201cRobo-advice\u201d is not a replacement for tailored advice from a regulated financial adviser.<\/li><\/ul><h4>3. Full SIPPs<\/h4><p>These offer the widest choice of investments, often including commercial property and even off-shore funds. They\u2019re typically more expensive than other options though, so are usually best for people with large pots and who want access to less-mainstream, more sophisticated investments. <\/p><p>Part of the reason for the higher costs is that you usually have access to a team that can help you make investment decisions and may be able to help with the administration of more complex investments.<\/p><p><strong>Pros of full SIPPs:<\/strong><\/p><ul><li>Backed by support and advice from staff at provider.<\/li><li>Wider range of investments than other types of SIPPs.<\/li><\/ul><p><strong>Cons of full SIPPs:<\/strong><\/p><ul><li>Can be expensive.<\/li><li>Investments more complex than most people are likely to need.<\/li><li>Usually not suitable for those with small pots.<\/li><\/ul><h3>Which providers offer SIPPs?<\/h3><p>You can buy low-cost DIY SIPPs with most online investment platforms, including those offered by mainstream banks. Examples of providers include <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/aj-bell-review\">AJ Bell<\/a>, Aviva, Barclays, Fidelity, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/halifax\">Halifax<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/pensions\/hargreaves-lansdown\">Hargreaves Lansdown<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/freetrade-review\">Freetrade<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/interactive-investor-review\">Interactive Investor<\/a>.<\/p><p>Robo-advisor SIPPs are offered by the likes of <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/moneyfarm-review\">Moneyfarm<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/pensions\/nutmeg-pension-review\">Nutmeg<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/moneybox-review\">Moneybox<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/pensions\/wealthify-pension-review\">Wealthify<\/a>.<\/p><p>If you\u2019re looking for a full SIPP, backed by support and advice by the firm, providers include Embark Pensions, Rowanmoor and Suffolk Life.<\/p><h3>How can I open a self-invested personal pension?<\/h3><p>To open a SIPP, you can either choose a provider and set your pension up yourself (taking into account the things to look for in a personal pension that we\u2019ve outlined above), or ask a regulated financial adviser to recommend a provider for you. This will come at extra cost, but reduces the time you need to spend researching and comparing and can help ensure you make the right choice.<\/p><p>Plus, if the product a financial adviser recommends turns out to be unsuitable, you\u2019ll be able to complain (initially to the adviser or, if that fails, to the <a href=\"https:\/\/www.financial-ombudsman.org.uk\/\" target=\"_blank\" rel=\"noopener\">Financial Ombudsman Service<\/a>). If you choose and open a SIPP yourself, and it turns out to be a poor choice, you\u2019ve got limited options for recourse. Many financial advisers are also able to help you manage the investments in a SIPP on an ongoing basis.<\/p><h3>How much do SIPPs cost?<\/h3><p>You\u2019ll pay for your SIPP via a range of fees and charges. These are typically (though not always) deducted from your pot rather than you paying fees on top of your contributions. Because the size of your pot will be changing constantly as your investments rise and fall in value, this can make it hard to fully grasp the impact of fees.<\/p><p>But, in practice, high fees can cost you dear and make a big difference to how much you have in your pot when you come to retire, so it\u2019s worth trying to compare their likely impact on your pension before you take out a SIPP. Different platforms apply different types of charge.<\/p><h4>Annual management charges<\/h4><p>At a minimum, you\u2019ll need to pay an annual management charge, which may be levied as either of the following (or both):<\/p><ul><li>A fixed annual administration fee, typically a few hundred pounds.<\/li><li>An annual platform fee, charged as a percentage of the amount you\u2019ve invested (typically between 0.25% and 0.75%, though this can be higher).<\/li><\/ul><p>Whether a fixed or a percentage fee is better for you will likely depend on the size of your pot (percentage fees might be better for those with smaller pots, and vice versa).<\/p><p>Bear in mind too that some providers charge tiered platform fees, depending on how much you have invested. For example, you might pay 0.5% on the value of your pot up to \u00a3100,000, and 0.25% on amounts above this.<\/p><h4>Other charges<\/h4><p>Other fees to look out for, depending on the specific provider and what you want to do with your investments, include:<\/p><ul><li>Set-up charges.<\/li><li>Fund charges if you invest in funds, to cover the management costs; the percentage charge will vary according to the specific fund.<\/li><li>Trading fees that apply each time you buy or sell investments (these may be fixed or a percentage).<\/li><li>Transfer-out fees; you may incur these if you move your pot to another scheme.<\/li><li>Withdrawal fees, which sometimes apply when you start taking money out of your pot.<\/li><\/ul><h3>How much can you save into a SIPP?<\/h3><p>There is technically no limit on how much you can pay into a SIPP overall. However, there is a limit on how much across all of your pension pots qualifies for tax relief:<\/p><ul><li>You can benefit from at-source tax relief on up to \u00a360,000 of contributions per year across all of your pension pots, or 100% of your annual salary if this is less.<\/li><li>There used to be a lifetime allowance that was recently abolished. However, the government may decide to reintroduce this at another time.<\/li><\/ul><h3>Where is the money in a SIPP held?<\/h3><p>The money in a SIPP is held in a range of investments that you select.<\/p><h3>What investments can I hold in my SIPP?<\/h3><p>Most mainstream investment products can be kept in a SIPP, including:<\/p><ul><li>Open-ended funds<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-investment-trusts\">Investment trusts<\/a><\/li><li>Unit trusts<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/exchange-traded-funds-etfs\/how-to-invest-in-etfs\">Exchange-traded funds (ETFs)<\/a><\/li><li>Gilts (government bonds)<\/li><li>Corporate bonds<\/li><li>Individual shares<\/li><\/ul><p>It\u2019s sometimes possible to invest in commercial property and land too, though you can\u2019t use a SIPP to invest directly in residential property.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/investing-in-property\" target=\"_blank\" rel=\"noopener noreferrer\">Get more detailed information on investing in property<\/a><\/p><p>You can also hold cash in a SIPP, although you won\u2019t be paid interest on this at the same rate you would get with a traditional cash savings account.<\/p><p>Some people increase cash holdings in their SIPP as a way to reduce risk as they approach retirement. Again, they won\u2019t get as much in interest as they would have with a savings product. However, this might not be a big problem, as the cash still would have been subject to the tax top-up when they paid it in. In other words, by this time, the money may have already done the work it was meant to do.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 5.01898 28.9095 6.64935 28.1602 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transform=\"translate(3 6.3158)\"><\/rect>\n        <\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: What\u2019s the best type of SIPP to use?<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"The best type of SIPP to use will largely depend on what you\u2019re looking to do with your retirement savings. However, like ordinary investing, two key areas to think about are the fees and your investment choice. <\/p><p>It\u2019s now possible to get a low-cost SIPP that provides excellent value and lower costs will make sure that your money goes as far as possible, maximising the potential power of compound interest over time. Also, for most people, investment choice will be important because this is likely to be a major factor in why you want to open a SIPP in the first place. <\/p><p>Being able to choose and control the investments is a key benefit of a SIPP so you may not want to limit yourself by picking a platform that\u2019s restrictive in investment options. Understanding how you want to invest your retirement pot is the best starting point when trying to find the right SIPP for your goals.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"George Sweeney, DipFA's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/GeorgeSweeneyF1_Finder_600x600.png?fit=360 360w, 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                                George Sweeney, DipFA\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Can I have both a SIPP and a workplace pension?<\/h3><p>Yes, it\u2019s fine to pay into both a personal pension and workplace pension simultaneously. In fact, you can have as many workplace pensions as you have jobs, and as many personal pensions as you want. We wouldn\u2019t recommend opening too many though, as it can make it hard to keep track.<\/p><p>If you do have a workplace pension (or more than one), it\u2019s usually better to pay into this as a priority, as you\u2019re likely to also benefit from employer contributions.<\/p><h3>When can I access the money held in a SIPP?<\/h3><p>Like most other personal or workplace pensions, the money held in a SIPP can usually be accessed from age 55 (and not before, without incurring penalties). This is due to rise to age 57 in 2028.<\/p><h3>What happens to my self-invested personal pension when I retire?<\/h3><p>By default, absolutely nothing. Regardless of when you consider yourself officially \u201cretired\u201d, unless you take action to access it, the money in your SIPP will stay invested and (hopefully) carry on growing in value.<\/p><p>If you want to make use of the money in your pension, you have a few options for how you receive it.<\/p><h3>How do you withdraw money from a self-invested personal pension?<\/h3><p>SIPP withdrawals are the same as for any defined contribution (DC) pension. You can choose to take out 25% of it tax-free.<\/p><p>Beyond this, you have a few options; after the initial tax-free 25%, any other withdrawals are liable for income tax.<\/p><ul><li>Buy a guaranteed income for a fixed term or for life, known as an annuity.<\/li><li>Leave most of your money invested, using it to draw a regular income \u2013 known as pension drawdown.<\/li><li>Take the whole lot out in one go. This is typically only likely to be a good option if your SIPP pot is relatively small and you have other ways to fund your retirement, not least because you\u2019ll be taxed on the amount that exceeds 25%.<\/li><li>Take a number of smaller lump sums; in this case, rather than getting 25% of the full amount tax-free at the outset, you\u2019ll usually receive the first 25% of each lump sum withdrawal tax-free.<\/li><li>Mix and match some or all of the approaches above.<\/li><\/ul><h3>What happens to the money in my SIPP if I die before withdrawing it?<\/h3><p>If you die before getting the chance to <a href=\"https:\/\/www.finder.com\/uk\/pensions\/taking-money-from-your-pension\">withdraw all or some of your pension<\/a> then it can be inherited by your beneficiaries. They may need to pay tax on the SIPP, depending on how old you are when you die.<\/p><p><strong>If you die under the age of 75:<\/strong><br>Those inheriting the pension will get it all tax free.<\/p><p><strong>If you die over the age of 75:<\/strong><br>Your beneficiaries can withdraw the full amount at once, take it as a regular income, or take lump sums whenever they like. In all of these cases, it\u2019s subject to income tax at their rate.<\/p><h3>Pros and cons of a SIPP<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Flexibility over when and how much you put into your pension<\/li>\n                                    <li>Choose exactly how you want your pension invested<\/li>\n                                    <li>You'll benefit from tax relief on the money you pay in.<\/li>\n                                    <li>Investment support or advice is available via robo-advisor or full SIPPs<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Can cost more than standard personal pensions<\/li>\n                                    <li>It can be a risky responsibility to manage your own retirement portfolio<\/li>\n                                    <li>If you pick a provider or invest without regulated financial advice, you won't be able to complain if you make unsuitable choices<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>If you don\u2019t have a workplace pension (perhaps self-employed), or want to contribute more towards your pension than your employer\u2019s scheme allows, a SIPP could be worth considering. <\/p><p>Unlike standard personal pensions, using a SIPP means you get to manage the account and the investments yourself. This can be a huge advantage for those who are comfortable doing so, but remember it is also a fairly heavy burden of responsibility to manage your own retirement portfolio. <\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What are the tax benefits of SIPPs?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As with all private pensions, you get a nice little top up from the government when you pay into a SIPP. A basic rate taxpayer (that\u2019s someone that pays 20% tax) only pays in \u00a380 of every \u00a3100 that goes into your pension pot. Higher rate taxpayers pay in \u00a360 for every \u00a3100 paid in. As well as this, you\u2019ll get to withdraw the first 25% tax free when it comes to withdrawal (from the age of 55). As with other tax wrappers such as ISAs, the money you put into a SIPP can grow without you having to pay capital gains tax or income tax.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I manage my own SIPP?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. In fact, that\u2019s the whole point of opening a SIPP. Unlike standard personal pensions, you have control over how your money is invested. You can also pay a financial adviser to help you manage your investments.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Is a SIPP a registered pension scheme?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. SIPPs have been registered pensions since 2006. Pension schemes must be registered with HMRC to benefit from the tax reliefs available for pensions.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Is a SIPP better than a stakeholder pension?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> Neither is better or worse; it\u2019s all down to your personal choice. A stakeholder pension is a variant on a standard personal pension, but with strict government rules on how it\u2019s managed. Stakeholder pensions are likely to have lower costs than SIPPs, but you\u2019ll have far few investment options and won\u2019t be able to manage investments directly. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Is a SIPP better than a stocks and shares ISA? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> This isn\u2019t quite comparing apples with apples, as both SIPPs and ISAs offer tax breaks, though they work slightly differently. With SIPPs, you get tax relief on the money you pay in, but will need to pay tax on most of the money when you take it out. With <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-stocks-and-shares-isa\">stocks and shares ISAs<\/a>, you don\u2019t receive any tax relief on contributions, but interest and withdrawals are tax-free. The limits on how much you can save and benefit from tax breaks is also different; with ISAs the annual limit is \u00a320,000, whereas it\u2019s \u00a340,000 for SIPPS (or 100% of your earnings, if this is lower). Ultimately, though, SIPPs and ISAs are likely to serve different purposes. With some exceptions, money held in ISAs can usually be accessed as you need it, whereas money held in SIPPs can\u2019t be accessed until age 55. As such, there may be benefits to splitting your money across both product types. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Do I have to declare a SIPP on my tax return?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"> If you\u2019re withdrawing an income from a SIPP and HMRC has said you need to complete a tax return, you will need to declare SIPP income on your tax return along with any other income. If you haven\u2019t yet retired and started drawing money from your SIPP and you are a basic rate (20%) taxpayer, you don\u2019t need to declare your SIPP on your tax return or do anything else to claim back the tax (it will be automatically added to your pension pot). However, if you\u2019re a higher-rate tax payer and complete a tax return, it\u2019s in your interests to declare your SIPP on your tax return in order to claim back the additional tax. If you don\u2019t complete a tax return, you can apply to <a href=\"https:\/\/www.gov.uk\/claim-tax-refund\" target=\"_blank\" rel=\"noopener\">claim it directly from HMRC<\/a>.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can you backdate SIPP contributions?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Sort of. It\u2019s not quite \u201cbackdating\u201d, as you can\u2019t retrospectively benefit from the returns you would have made by investing earlier. But if you paid less than your annual pension allowance (currently \u00a340,000) in 1 or more of the previous 3 years, you can make a one-time SIPP contribution of more than \u00a340,000 to make up the shortfall from previous years. The maximum amount can\u2019t be more than your maximum earnings that year, though, and will be dependent on how much you\u2019ve already contributed to any other pension pots.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">How can I find a good financial adviser?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Directories that can help you search for a regulated financial adviser based on what you\u2019re looking for include the government\u2019s <a href=\"https:\/\/www.moneyhelper.org.uk\/en\/pensions-and-retirement\/taking-your-pension\/find-a-retirement-adviser\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a> website, the <a href=\"https:\/\/societyoflaterlifeadvisers.co.uk\/\" target=\"_blank\" rel=\"noopener\">Society of Later Life Advisers<\/a>, <a href=\"https:\/\/www.thepfs.org\/yourmoney\/find-an-adviser\/\" target=\"_blank\" rel=\"noopener\">The Personal Finance Society<\/a>, and <a href=\"https:\/\/www.unbiased.co.uk\/\" target=\"_blank\" rel=\"noopener\">Unbiased<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000004\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000004\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Saving enough money to guarantee yourself a comfortable retirement can be complicated. If you&#8217;re thinking of investing, a SIPP can be a viable option.<\/p>\n","protected":false},"author":1273,"featured_media":169080,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2651],"tags":[129853],"asset_tag":[],"class_list":["post-169062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensions","tag-sipps-hub"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Self-invested personal pensions (SIPPs) - Finder UK<\/title>\n<meta name=\"description\" content=\"Saving enough money to guarantee yourself a comfortable retirement can be complicated. If you&#039;re thinking of investing, a SIPP can be a viable option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Self-invested personal pensions (SIPPs)\" \/>\n<meta property=\"og:description\" content=\"Saving enough money to guarantee yourself a comfortable retirement can be complicated. If you&#039;re thinking of investing, a SIPP can be a viable option.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-04-23T12:06:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/pension-savings.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"George Sweeney, DipFA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/GeorgeSWrites\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Sweeney, DipFA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\"},\"author\":{\"name\":\"George Sweeney, DipFA\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/86a172cdec1fb3d49abd125556776f35\"},\"headline\":\"Self-invested personal pensions (SIPPs)\",\"datePublished\":\"2019-04-23T12:06:58+00:00\",\"dateModified\":\"2026-04-01T03:26:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\"},\"wordCount\":4450,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/pension-savings.jpg\",\"articleSection\":[\"Pensions\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions#respond\"]}],\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"MoneyHelper\",\"url\":\"https:\/\/www.moneyhelper.org.uk\/en\/pensions-and-retirement\"},{\"@type\":\"CreativeWork\",\"name\":\"MoneyHelper\",\"url\":\"https:\/\/www.moneyhelper.org.uk\/en\/pensions-and-retirement\/pensions-basics\/self-invested-personal-pensions\"},{\"@type\":\"CreativeWork\",\"name\":\"UK government claim a tax refund\",\"url\":\"https:\/\/www.gov.uk\/claim-tax-refund\"}],\"contributor\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/86a172cdec1fb3d49abd125556776f35\"}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\",\"url\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions\",\"name\":\"Self-invested personal pensions (SIPPs) - Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/self-invested-personal-pensions#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/02\/pension-savings.jpg\",\"datePublished\":\"2019-04-23T12:06:58+00:00\",\"dateModified\":\"2026-04-01T03:26:25+00:00\",\"description\":\"Saving enough money to guarantee yourself a comfortable retirement can be complicated. 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