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Self-Invested Personal Pension (SIPP)

Important information - the value of investments can go down as well as up so you may not get back what you invest. Eligibility to invest in a SIPP and tax treatment depends on personal circumstances and all tax rules may change. You can't normally access money in a SIPP until age 55. It’s important to understand that pension transfers are a complex area and may not be suitable for everyone.

Looking after future you, today

A SIPP is a pension you manage yourself. You choose what it’s invested in, how much is paid into it and when. You can contribute in lump sums or with a regular savings plan.


Start saving today

Pay from as little as £40 a month. HMRC will add 25% to each payment*


Low fees

Benefit from our 0.35% fee if you invest £7,500, or set up a regular savings plan


Here to help you

Our UK and Ireland based call centres are open six days a week.


A wealth of choice

Thousands of funds and shares to choose from to help you reach your retirement goals.


Expert guidance

Including insights and planning tools to help you on your way.


Flexible retirement options

When the time comes to begin taking your pension.

*To pay in a total of £1,000 to your SIPP, you would only need to contribute £800, and the government would pay the other £200. If you pay income tax at above the basic rate, you can claim even more tax relief through your tax return or by writing to HMRC.

How we make it easy

Our award-winning SIPP has many great features that make it easy to manage and keep track of your pension savings.

  • Flexible - you choose what to invest in and when. Plus, our secure online area and handy apps mean you can keep track of your savings wherever you are.
  • Support with decisions - expert insights, easy to use investment selection tools; videos, planning calculators; portfolio analysis and comparison tools, retirement guidance and advice.
  • Simple, low-cost pricing - we keep costs low so you keep more of your money

How much can you save?

A pension remains one of the most tax-efficient ways to save for your future with significant tax benefits.

  • Any contributions you make are boosted by the government. For every £80 you invest the HMRC adds £20 - and more if you’re a higher or additional rate taxpayer.
  • You can invest in our SIPP from as little as £40 a month
  • Choose to set up regular contributions or invest lump sums
  • With your 2020/21 tax year pension allowance you can invest up to £40,000, capped at the amount you earn if this is less. 

A world of investment options

  • Over 3,000 funds
  • Large selection of UK shares, growing all the time
  • Investment trusts and exchange-traded funds (ETFs)
  • Investment solutions from our experts
Choose investments

Bring your pensions together

Having pensions spread across multiple companies can be both time-consuming and costly. Bringing them together means less stress and less paperwork.

Fidelity’s SIPP can also make a good home for old pensions when you’re ready to transfer, providing you with a single view of your retirement savings and helping you be better prepared for the future you want.

We don’t charge you to transfer and we’ll even cover any exit fees you may incur, up to a total of £500 per person ( T&Cs apply).

It’s important to understand that pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered. To find out what else you should consider before transferring, please read our transfer factsheet. If you are in any doubt whether or not a pension transfer is suitable for your circumstances we strongly recommend that you seek advice from an authorised financial adviser.

Find out more about transferring pensions to Fidelity.

Time to take control of your retirement

Open a SIPP

Start a regular savings plan from £40, or make a lump sum payment of at least £800.

Transfer a pension

Enter details of your current provider, we'll do the rest and let you know when it's complete.

If your employer will be the primary payer to the SIPP, you can open an account with the Employer SIPP form.

If someone else (e.g. your partner) will be the primary payer, open your account with the Third party SIPP form.


Need help?

Call our UK & Ireland-based team

0333 300 3350

Weekdays 9am-4.30pm & Saturdays 9am-2pm


What are the SIPP eligibility rules?
Who can contribute to my SIPP?
Is my pension taxable?
How much does Fidelity's SIPP cost?
Can I transfer my pension to Fidelity's SIPP?
What pensions are available for self-employed workers?

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This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.

1,2 Source: Fidelity International at 31.12.2019