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. Tax rules can change and what it means to you will depend on your individual circumstances and where you live in the UK.

Standard Life SIPP funds

With our Self Invested Personal Pension (SIPP) you can 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 experienced investors. It’s also designed for those who are comfortable regularly reviewing their pension investments to make sure they continue to meet their needs, goals and attitude to risk.

What investments can you choose from?

With a Standard Life SIPP you can choose from pension funds, mutual funds, commercial property and lots more. We split the different investment options into three levels to make it easier for you to choose what’s right for you.

Keep in mind: You will have more investment options with your SIPP if you arrange your plan through a financial adviser. Some investment choices, such as commercial property, won’t be available if you don’t invest through an adviser.

  • Level 1 – This level of investments gives you a range of choices whilst keeping things simple. You can choose from a range of over 300 pension funds.
  • Level 2 – If you’re looking for even more choice, level 2 includes over 2,000 mutual funds.
  • Level 3* – If you want to pick from our widest range of investment options, level 3 is for you. Choose from an even wider range of investment options including things like commercial property, gold bullion and more.

*Typically level 3 investment options are only available if you arrange your plan through a financial adviser.

How much do SIPP funds cost?

The different levels of investments come with different charges, but you’ll only ever pay for the investment services you actually use. You can find out more about the different charges for the levels of investments in the charges section.

If you’re looking to find out about the performance and charges for specific pension funds you can use our fund checker.

Is a SIPP right for you?

A SIPP may be right for you, but we have other pension options too. Our Active Money Personal Pension (AMPP) could be right for you if you want to pick your own funds but aren’t interested in the widest range of options.

Let’s see how the SIPP and AMPP compare:

SIPP

This could be a good option if you have the confidence and time to pick and manage your own investment options. With a SIPP you will:

  • Choose from thousands of funds, stocks & shares and commercial property if you arrange your plan through a financial adviser
  • Need to regularly review your investments
  • Pay in a minimum of £240 per month or make an annual payment of £2,400
  • Your payments will be topped up by HMRC with tax relief

Apply for a SIPP

AMPP DIY option

This could be the right pension plan for you if you want to make your own investment choices. The Active Money Personal Pension gives you fewer options than a SIPP. With a DIY option AMPP you will:

  • 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.

Got a question about our SIPP?

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

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More information about pensions

We can help you learn more about our different pension options and some key facts you need to know about putting money away for the future in a tax efficient way.