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What is a SIPP?

Pension-adviser
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Pension-adviser

We often receive initial enquiries from potential new clients saying things like – my mate said I need a SIPP.

Our first reaction is always…. “Really – is your mate a Pension Adviser?”

Generally, they may need to consider a pension, the type of pension all depends on many factors. So, what is a SIPP?

A self-invested personal pension (SIPP) is a personal pension that can hold a more diverse array of investments than a standard personal pension.

Most SIPPs allow you to invest in a range of assets, for example:

  • Unit trusts;
  • Investment trusts;
  • Government securities;
  • Insurance company funds;
  • Traded endowment policies;
  • Cash;
  • Commercial property (such as offices, shops or factory premises);
  • Individual stocks and shares quoted on a recognised UK or overseas stock exchange.

This list is not exhaustive as different SIPP providers may offer different investment options.

Residential property can’t be held directly in a SIPP as a general rule. You may also opt to pay an authorised investment manager to actively manage your investments, known as a discretionary fund manager (DFM).

With a standard personal pension, your investments are generally in pooled investments.

Another consideration when selecting the type of pension that is suitable are the costs involved. SIPPs generally have higher charges than other personal pensions or stakeholder pensions, due to the fact that they have the ability to invest in alternative assets.

SIPPs, therefore, tend to be more suitable for large funds and for people who are experienced in investing.

The Importance of Asset Allocation and Diversification

Christina Clegg Financial Planning Services explain the importance of managing your asset portfolio.

Our team has over 100 years of experience in financial services - so why not arrange a free initial meeting with a Pension Adviser and find out how we can help? Call us on 01282 6144.

Local pension adviser

31.05.25

May news from your local pension adviser

May news from your local pension adviser

  • It’s been reported that the chancellor is considering making it a legal requirement for pension funds to invest at least ...

Awards and Accreditations

Pension Transfer Gold Standard
Investment-Planner
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VF 23
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We have always found Christina to be reliable and honest. We value her services because nothing is too much trouble and she is never too pushy.

Mr & Mrs P

Adele has been professional and knowledgable, yet also personable and fun to spend a lot of time with! I wouldn’t hesitate to recommend her to friends and family.

Mrs C

Adele was wonderful! She explained everything and made us feel at ease at all times. It was wonderful to deal with her.

Mr & Mrs C

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01282 614 444 enquiries@ccfps.co.uk

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Christina Clegg Financial Planning Services is a trading style of Throgmorton Capital Management Limited authorised and regulated by the Financial Conduct Authority,
No 827982 and is registered in England under the company registration number 11557030.

Registered Address: 3 The Stables, Wilmslow Road, East Didsbury, Manchester, M20 5PG

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