SIPP investment ideas
We’ve made it easy to invest in your SIPP. Explore our experts’ top picks, ready-made funds and the most popular investments with our customers.
Important information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as, guaranteed annuity rates, lower protected pension age or matching employer contributions. Tax treatment depends on your individual circumstances and may be subject to change in the future. If you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.
Expert ideas for your SIPP
We've made it easy to get started with your SIPP. Take inspiration from our Super 60 and ACE 40 rated investment lists, or get a helping hand with our Quick-start Funds.
Explore SIPP investment options
Expert picks for common pension goals
ii SIPP Selected Growth Option
Our SIPP Selected Growth Option is a low-cost investment, carefully chosen by our experts to help meet common retirement investing goals.
Quick-start Funds
Our Quick-start Funds are an ideal way to get started with your pension. These low-cost funds have been specially selected by experts, and many experienced investors rely on them too.
Investment Pathways
Investment Pathways are four simple, low-cost options for investing your drawdown funds, chosen by our experts.
Our rated investment lists
Super 60 investment list
Narrow down your options with our rigorously researched list of 60 quality funds, ETFs and investment trusts.
ACE 40 sustainable investment list
Align your portfolio with your personal values by choosing funds, trusts and ETFs from the UK's first rated list of sustainable investments.
Target retirement funds
If you’re not sure how your pension investments need to change as you approach and enter retirement, a Target retirement fund might be worth considering.
Target retirement funds are ready-made portfolios built and balanced around your planned retirement date - that’s why they’re also called ‘Target date funds’.
They work by gradually moving your money from higher risk investments, like shares, into lower risk assets, such as bonds, as your target retirement date draws closer.
Top tips for SIPP investing
As with any pension, it's important to make the most of the advantages open to you. Find out more about maximising the value of your pension pot with these tips.
Pay in as much as you can
It’s tempting to start small and increase contributions later, but investing more now can have a big impact thanks to compounding returns.
Free regular investing in your SIPP and dividend reinvestment are great ways to help grow your pension pot.
Take full advantage of tax relief options
With tax relief, £80 in your SIPP becomes £100 – an instant 25% boost.
Higher-rate taxpayers can claim back a further 20-25% in tax relief through their Self Assessment Tax Return.
Build a diverse portfolio
A SIPP offers a wider choice of investments than traditional pensions, so make the most of this flexibility.
Diversification is key to a good investment portfolio. It allows you to manage your level of risk and adapt to changing circumstances, in your own life and in the market.
A wide choice of investments for your SIPP
The ii SIPP gives you a range of options to suit all pension investors.
Shares
With direct access to the UK, US and several other international markets, you’ll have the world of investing at your fingertips. Search our shares and find tips and ideas to help you build your portfolio.
Funds
Passive, active, income and accumulation - the full spectrum of fund types are here for your choosing. Explore the range, see our expert picks and learn more about this type of investment.
ETFs
With over 1,000 Exchange Traded Funds (ETFs) to explore, you’ll get access to one of the widest ranges of low-cost ETFs around. Discover more about investing this way and find the ETFs for you.
Investment trusts
Our selection of investment trusts includes many of the most popular and top-traded choices by investors. Get insights from our experts to help you choose the right trusts for your portfolio.
Bonds and gilts
Balance your risk and get regular income, with a wide range of corporate and government bonds from the UK and beyond. Browse our bonds and learn why many choose to include them in their portfolio.
Cash and cash-like investments
You don’t have to invest in shares — you can also choose cash-like investments such as money market funds, bonds, or gilts.
Cash held in your SIPP will also earn interest.
Top SIPP investments with ii customers
Here are the shares, funds, investment trusts and ETFs that are most held by our SIPP customers (by GBP value, monthly data for shares accurate as at 31 October 2025 and quarterly data for funds, trusts and ETF accurate to 30 September 2025 ).
Keep more of what you make
Bring all of your pensions under one roof and see if you could save. Other providers usually charge a percentage of your pot. That means you’ll be charged more as your pension grows. The ii SIPP is different. You can rely on our flat fee and can keep more of what’s rightfully yours.
Enjoy more choice and flexibility
The ii SIPP offers a wide range of investments and flexible retirement options to suit most people’s needs. More choice doesn’t have to mean more complexity. Our expert picks and SIPP investment ideas can do the hard work for you.
Trust in our top-rated support
It’s easy to keep track of your pension via our website and secure mobile app. But if you’re ever in need of SIPP support, you can count on us. We’re happy to say that ii has more 5-star Trustpilot reviews than any other UK SIPP provider.
Monika and Lionel have the clarity they need
Monika and Lionel were anxious about the state of their pensions. They felt they couldn’t plan their future. Now they’ve both switched to ii and have the clarity they were always looking for.
“Since moving to ii – eye-opening. Clarity, power, decision, service and the app is fantastic. It’s good to know that if I need to talk to someone, people are there. It’s freedom. That’s why we’re with ii.”
SIPP investment ideas FAQs
As markets rise and fall, and personal circumstances change over time, it is hard to pinpoint the ‘best investments’ for a SIPP.
With ii you get access to our Selected Growth Option, Quick-start Funds and Investment Pathways. You can also explore our rated lists: ACE 40 lists our top sustainable options and Super 60 rated list.
If you’re unsure which SIPP investments to choose, you could start with our Selected Growth Option – our default fund designed to meet most common investment goals. Or explore the other options listed earlier on this page – there’s something for everyone.
A well-diversified pension pot spreads investments across different asset classes, sectors, and regions, helping to reduce risk and limit the impact of market downturns. Diversification can’t remove risk entirely, but it can make returns more stable over time. To learn more, see our guide to investment diversification and explore our Super 60 list of carefully selected, high-quality investment options.
Yes, investing in a SIPP with ii means you get access to our ACE 40 list of sustainable investments.
Yes, you can make changes to your SIPP investments anytime you like. Self-invested personal pensions offer flexibility over what investments you make and how much you invest. You can buy, sell and switch investments whenever you like - although make sure you’re aware of dealing charges before you do so.
How can Pension Wise help?
If you’re thinking about retiring soon and want to understand your options, make sure you speak to someone at Pension Wise.
Pension Wise is part of the government’s Money Helper service, offering free and impartial pension guidance to the over-50s. They can also help you decide if transferring your pension is the right choice for you.
