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What is a SIPP and how does it work?

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 depends on personal circumstances and all tax rules may change in the future. The minimum age you can normally access your pension savings is currently 55, and is due to rise to 57 on 6 April 2028, unless you have a lower protected pension age. 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.

Thinking about your retirement?

Planning and saving are two key ingredients to achieving the retirement you want. A self-invested personal pension, or SIPP, is a flexible, tax-efficient and easy-to-manage pension designed to help you to reach your pension pot goals. Here we share a little bit more about setting up and paying into a SIPP and see what options our award-winning Fidelity SIPP can offer you.

What is a SIPP?

Transcript - What is a SIPP?

How to open a Fidelity SIPP

If you're putting off setting up a self-invested personal pension plan because it feels like you never have enough time, think again. It takes minutes, as our short video shows. Time well-invested in your future.


Fidelity’s flexible, award-winning SIPP

We have more than 50 years of investing experience behind us, helping us to help you make the right decisions for your SIPP.

Explore the Fidelity SIPP See our awards

Look to the future

How much you invest into your pension is a personal choice. But If you’re unsure where to start, our calculator can help give you an idea of how much it’ll take for you to live the retirement you’ve always wanted.

Calculate your retirement