Self-invested personal pension basics

Easy-to-understand guides that break down self-invested pensions (SIPPs), from beginner to advanced, so that you can invest more confidently.
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What is a SIPP?

We explain the ins and outs of self-invested personal pensions. Understand how SIPPs work and why they provide a tax efficient way of save towards your retirement.
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Should I transfer my pension? 6 key considerations

It’s important to understand the risks, fees, and key considerations involved in transferring a pension before you get started.
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Should I consolidate my pensions?

Why do people combine their pensions, how do they do it and what are the pros and cons?
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Is your pension underperforming? How to check and improve your pension pot

Find out if your pension is underperforming, how to spot common issues, and take steps to get your retirement savings on track.
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How much should be in your pension at 30? Retirement savings guide for your 20s and 30s

Investing early gives your money the most time to grow.
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Saving for retirement in your 40s and 50s

Making sure you’re on track for the retirement you want.

Tools & more

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Calculator

Try our fee impact calculator

Do you know what the impact of platform fees is on your portfolio value over time? Find out here.
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Transfer

Combine or transfer your pension

Learn more about transferring your existing pensions to Freetrade.

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Investing with Freetrade gives me another way to prepare for the future alongside my pension.
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Having tried all the other share trading apps, I have come to the conclusion that Freetrade is the best 10/10. That’s why I chose them for my SIPP.
CUSTOMER
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Moved my SIPP and ISA to Freetrade 2 years ago. Very low costs and very responsive customer service. Can't fault.
D D
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The platform is easy to use offering general/ISA/SIPP accounts There is a huge range of stocks, ETFs, funds and gilts/treasuries. Responsive customer service. Interest on uninvested cash.
LOUISE DAVIES JONES
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Consolidated my pension pots into a SIPP and ISA on a single platform. Excellent access to US market. Very reasonable account fees, low FX fees and no brokerage fees.
EVERTON SOUSA
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I’ve been very impressed, a 10x improvement from Hargreaves Lansdown. The transfer of my SIPP was very well managed with excellent communication all the way. Then the actual platform is very good. My SIPP used to be with HL and that platform is ancient and expensive. I like the PM trading being available with zero fees except foreign exchange rates. Wish I’d moved earlier!
RUAN SMIT
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