A SIPP (Self-Invested Personal Pension) is a personal pension that gives you full control over your investments. Unlike a workplace pension where your employer chooses the funds a SIPP lets you invest in shares bonds funds ETFs commercial property and more.
How a SIPP Works
Feature
Detail
Tax relief
20% for basic rate — government adds £25 for every £100 you contribute
Bottom line: A SIPP is ideal for self-employed people and those wanting more investment control. Tax relief is the same as other pensions. Start with a low-cost index fund SIPP from Vanguard or AJ Bell and increase contributions as much as you can afford.
By Chandraketu Tripathi · Updated April 2026 · kaeltripton.com
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Chandraketu Tripathi
Finance Editor · Kaeltripton.com
Chandraketu (CK) Tripathi, founder and lead editor of Kael Tripton. 22 years in finance and marketing across 23 markets. Writes on UK personal finance, tax, mortgages, insurance, energy, and investing. Sources: HMRC, FCA, Ofgem, BoE, ONS.
