A pension is a long-term investment. Its value can go down as well as up and could be worth less than was paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK will also have an impact on tax treatment.
Overview
Investment options
Charges and terms
Overview
Investment options
Charges and terms

Standard Life SIPP

With our SIPP you can save your money tax-efficiently, and pick from a wide range of investment options from Standard Life and other providers.

A SIPP could be right for you if you’re looking for a wider choice of investment options. It’s designed for customers who are more comfortable with investment risk and who have more time to regularly review their pension investments to make sure they continue to meet their needs.

Why open a SIPP with Standard Life?

  • You get access to hundreds of pension funds from leading fund managers as well as thousands of mutual funds, and stocks & shares. This means you’ll have a wealth of investment options to choose from, so you can choose what suits you. Keep in mind that some investments will only be available with a financial adviser acting on your behalf.
  • Your pension payments will be topped up with tax relief. So if you’re a basic-rate taxpayer who pays in £240, HRMC will top this up to £300. If you’re an additional or higher-rate taxpayer, you can contact HMRC to claim for the extra tax relief.
  • You can transfer in any other pension plans you may have into a SIPP with Standard Life. This means you’ll have everything in one place, making your pension plan easier to manage. Keep in mind that transferring isn’t right for everyone.
  • You can check in on your SIPP as often as you like, using your laptop, tablet or mobile. View your latest statements, manage regular payments, top up and more on your online dashboard
  • We’ve worked with leading fund managers to negotiate better deals on investments

Is a SIPP right for you?

A SIPP may be right for you, but we have other pension plans too. If you want to pick your own funds but aren’t fussed about options like commercial property and specialist funds our Active Money Personal Pension (AMPP) could be right for you. Let’s see how the SIPP and AMPP compare:

SIPP

  • You get access to hundreds of pension funds from leading fund managers as well as thousands of mutual funds, stocks & shares and commercial property
  • Keep in mind that some options will only be available with a financial adviser acting on your behalf
  • Need to regularly review your investments
  • You pay in a minimum of £240 per month or make a payment of £2,400 a year
  • Your payments will be topped up by HMRC with tax relief

To apply call 0345 272 8810 (call charges apply)

0345 272 8810

AMPP DIY option

  • Choose your investments from hundreds of pension funds
  • Need to regularly review your investments
  • Pay in a minimum of £80 a month or make an annual payment of £800
  • Your payments will be topped up by HMRC with tax relief

Read more about our AMPP

Already with us?

You can log in to look at the funds your SIPP is invested in, and make changes to your plan at any time.

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Got a question about our SIPP

Our help page should have the answer you’re looking for.

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Try our pension calculator to see how much your pension plan could be worth in the future.

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