Leaving your pension invested when you reach retirement
Many people choose to stay invested at retirement if they have income from a part-time job, an annuity or income drawdown from another pension. If your investments perform well this could mean you have more money to spend in later life (but if they perform badly you could end up with less).
Reasons to stay invested with the Best SIPP
- Low service fees of 0.3% a year or less – so less of your savings will be eaten up over your retirement
- 0% service fees when you buy a Ready-made Portfolio and let our experts invest for you
- We were named Best SIPP for Beginners 2016 by Moneywise and Best Direct SIPP Provider 2015 by Your Money
- It’s free to open an account and we pay up to £500 towards your exit fees when you transfer pensions from other providers*.
Our top SIPP investment ideas
This free guide showcases our research team’s top-rated funds from the UK and across the globe. These are the funds that our experts believe are of the highest quality and most likely to deliver for you and your pension over the long term.Download guide
Let our experts manage your pension investments
Our Ready-made Portfolios are funds of funds that are built and managed by our experts. Simply choose the portfolio that best suits your needs and your money will be invested in our best and latest ideas.
We don’t charge any SIPP service fees when you invest your pension in a Ready-made Portfolio.
When you invest your Best SIPP in a Ready-made Portfolio you won’t pay any service fees – saving you up to 0.3% a year. And with less money being eaten away in fees, you could have more to enjoy in retirement.Discover the fee-free Best SIPP
Invest with help from an expert adviser
You keep control of your investments but benefit from the advice of an expert investment adviser with our Investment Advisory Service. The adviser will recommend a portfolio to suit your needs, either on a one-off basis or as part of an ongoing service where they support you on all your investment decisions.Find out more
Choose from thousands of investments
The Best SIPP gives you access to more than 2,500 investment funds plus hundreds of investment trusts, ETFs and nearly every UK-listed share. You can use our powerful Investment Selector to search the available options and review their performance, asset allocation and charges.
Choose from more than 2,500 funds plus nearly every UK share with our Best SIPP.
*Exit fees may apply if you leave Bestinvest. Before you consider transferring a pension, it is important to ask yourself: Will I lose any valuable benefits or features from my existing pension plan? Will I incur any penalties on my existing pension if I transfer? Is it an occupational final salary pension scheme? (in which case it is very unlikely to be advisable to transfer) Have I considered the charges on my current plan? (a new arrangement may be more expensive – especially if you have a stakeholder pension).
The decision to access your pension is an important one and will affect your income and possibly your standard of living for years to come. Therefore we recommend that before any decision is made you receive regulated financial advice or get free guidance from Pension Wise.
SIPPs are not suitable for everyone. If you don’t want to invest across different asset classes or don’t think you will make use of the investment choices that SIPPs give you then a SIPP might not be right for you. Please contact us for guidance or advice if you are unsure whether a SIPP is right for you.