Interactive Investor

SIPP investment ideas

Need inspiration for your SIPP investments? Our experts have made it easy to get started.

Retire with more of your money

Please remember, SIPPs are aimed at people happy to make their own investment decisions. Investment value can go up or down and you could get back less than you invest. You can normally only access the money from age 55 (57 from 2028). We recommend seeking advice from a suitably qualified financial advisor before making any decisions. Pension and tax rules depend on your circumstances and may change in future.

Ideas for your SIPP from our experts

We've made it easy to get started with your SIPP. Take inspiration from our experts' Super 60 and ACE 40 rated investment lists, or get a helping hand with our Quick Start Funds and Model Portfolios.

A lot rests on investing in the right way for retirement – your pension pot must be built to last. Think about how you want your retirement to be and work back from there as you choose your investments.

Popular SIPP investments with ii customers

Here are the shares, funds, investment trusts and ETFs that are most held by our SIPP customers (31 August 2021). Our most popular investments should not be taken as personal recommendations to buy or sell a particular stock or fund, and are not intended to provide advice.

What type of SIPP investments do ii customers choose?

Here are the types of investments ii customers held in their SIPP in the first half of 2021:

  • Funds (37.3%)
  • Investment trusts (21.8%)
  • Shares (20.8%)
  • Cash (11.9%)
  • Exchange-traded products such as ETFs (8.1%)
  • Other (0.1%)

It’s a relief to finally be in control of my own money. Making the switch was very easy – I should have done it ages ago.

Read Richard's story

SIPP investment best practice

As with any pension, it's important to make the most of the advantages open to you. Find out more about maximising the value of your pension pot with our handy guide.

1)    Pay in as much as you can: You might be tempted to start small, and increase your contributions later in your career, but increasing your investments now can make a big impact thanks to compounding returns. Free regular investing in your SIPP is a great way to build up your pension pot, and our dividend reinvestment service is another useful tool for boosting your funds. 

2)    Take full advantage of tax relief options: Tax relief on SIPP contributions means that you can put £10 in your pension for a cost of only £8 – an immediate return of 25%! Higher-rate tax payers can claim back a further 20-25% in tax relief on a Self Assessment Tax Return. You can also maximise returns by signing up for salary sacrifice contributions from your employer. This means that you will not pay National Insurance on the income being used to make contributions, leaving you with more money to invest. 

3)    Increase contributions in line with earnings: It’s a good idea to increase your SIPP contributions as you progress in your career. Pay-rises and bonuses represent a great opportunity to do this without seeing a reduction in your take-home pay. 

4)    Build a diverse portfolio: SIPPs give you the opportunity to invest in a wider set of stocks and shares than traditional pensions, and you should make the most of this flexibility. By building a diverse portfolio, you have the ability to manage your level of risk and adapt to changing circumstances, in your own life and in the market. Our Super 60 rated investment list could be a good place to start.

Open a SIPP by 30 September and pay no SIPP fee until April 2022.

This means your service plan fee of £9.99 covers you for all of your investment accounts. Following the offer period, the ii SIPP fee is only £10 a month more, and could save thousands compared to other pension providers who charge a percentage fee.