Find out more about staying invested at retirement with the award-winning Best SIPP in this free guide.
","Subtitle":"","Title":"The Best SIPP Guide"},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"01439e30-08e6-4284-af00-46b6194644c3","properties":null},"blockType":"downloadGuideFormBlock"},{"content":{"subtitle":"If you can't find the answer to your question, get in touch or we'll be happy to call you.","title":"Need more help?","contentType":null,"key":"387a7b49-0d82-4cd3-a974-b7b20e6ce3e9","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"1723abc6-781e-4ddb-93e9-bdf2c31b4600","properties":null},"blockType":"contactUsBlock"}],"twitterTitle":"Staying invested","twitterDescription":"Staying invested when you retire could mean you have more money to spend later in life, but it isn't risk free. Find out more from Bestinvest's experts.","twitterImage":null,"ogTitle":"Staying invested","ogDescription":"Staying invested when you retire could mean you have more money to spend later in life, but it isn't risk free. Find out more from Bestinvest's experts.","ogImage":null,"metaTitle":"Reasons to stay invested during retirement","pageDescription":"Staying invested when you retire could mean you have more money to spend later in life, but it isn't risk-free. Find out more from our experts.","canonicalURL":null,"hideFromSitemap":false,"pageTitle":"Staying invested","navigationTitle":"Staying invested","umbracoNaviHide":false,"blockModules":[{"content":{"standardRiskWarnings":{"body":"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.
Modal body text
","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"childrenForAllCultures":[{"modalWidth":500,"text":"Modal body text
","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"properties":null}],"childrenForAllCultures":[{"contentType":null,"key":"383af845-1c71-44b9-b9b1-9c8ac0264491","id":3040,"name":"Modals","urlSegment":"modals","sortOrder":0,"level":2,"path":"-1,3039,3040","creatorId":-1,"createDate":"2024-03-13T10:54:32Z","writerId":-1,"updateDate":"2024-04-18T14:27:22.157Z","cultures":{"":{"culture":"","name":"Modals","urlSegment":"modals","date":"2024-03-13T10:54:32Z"}},"itemType":2,"children":[{"modalWidth":500,"text":"Modal body text
","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"childrenForAllCultures":[{"modalWidth":500,"text":"Modal body text
","contentType":null,"key":"94cdc483-7832-491b-9450-b1b126bbb866","id":3041,"name":"First Modal","urlSegment":"first-modal","sortOrder":0,"level":3,"path":"-1,3039,3040,3041","creatorId":-1,"createDate":"2024-03-13T10:55:08Z","writerId":2,"updateDate":"2025-05-16T09:22:26.523Z","cultures":{"":{"culture":"","name":"First Modal","urlSegment":"first-modal","date":"2024-03-13T10:55:08Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"properties":null}],"properties":null},"children":[{"body":"The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
","notes":"","title":"","contentType":null,"key":"e3d0402d-d19e-40a9-aa67-f4d859c9f63d","id":5283,"name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","sortOrder":1,"level":3,"path":"-1,3039,5282,5283","creatorId":-1,"createDate":"2024-11-13T17:21:02Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.087Z","cultures":{"":{"culture":"","name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","date":"2024-11-13T17:21:02Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The specific securities identified and described are for informational purposes only and do not represent recommendations.
","notes":"","title":"","contentType":null,"key":"a61b2ca9-4e47-45c0-9f88-b37bd14c50ad","id":5284,"name":"9. Specific securities","urlSegment":"9-specific-securities","sortOrder":2,"level":3,"path":"-1,3039,5282,5284","creatorId":-1,"createDate":"2024-11-14T10:25:23Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.29Z","cultures":{"":{"culture":"","name":"9. Specific securities","urlSegment":"9-specific-securities","date":"2024-11-14T10:25:23Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you. The Best SIPP is designed for people looking to invest at least £10,000 through any combination of one-off investments, regular contributions or transfers from other providers, over a short time frame.
","notes":"","title":"","contentType":null,"key":"7e27a9a5-560f-43ff-9a3d-2aae0cbfff00","id":5287,"name":"16. Sipps","urlSegment":"16-sipps","sortOrder":5,"level":3,"path":"-1,3039,5282,5287","creatorId":-1,"createDate":"2024-11-15T16:22:15Z","writerId":-1,"updateDate":"2025-02-03T10:55:30.657Z","cultures":{"":{"culture":"","name":"16. Sipps","urlSegment":"16-sipps","date":"2024-11-15T16:22:15Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Transfer considerations. Transfers should only be considered for pensions which do not offer any guaranteed or safeguarded benefits - not final salary or defined benefit schemes or pensions that offer particular annuity rates and other promises. You should ensure that by transferring you are not incurring unnecessary penalties, losing any benefits or features, and have considered any increase in pension charges.
","notes":"","title":"","contentType":null,"key":"ef005e57-13ee-4235-b529-6f516f67dff5","id":5288,"name":"15. Transfers","urlSegment":"15-transfers","sortOrder":6,"level":3,"path":"-1,3039,5282,5288","creatorId":-1,"createDate":"2024-11-15T16:30:51Z","writerId":-1,"updateDate":"2024-11-19T13:53:58.383Z","cultures":{"":{"culture":"","name":"15. Transfers","urlSegment":"15-transfers","date":"2024-11-15T16:30:51Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
\nTax treatment depends on the individual circumstances of each client and may be subject to change in the future.
","notes":"","title":"","contentType":null,"key":"cb98df25-73ed-4559-9947-d1b5ca6d169f","id":5289,"name":"4. Value and Tax","urlSegment":"4-value-and-tax","sortOrder":7,"level":3,"path":"-1,3039,5282,5289","creatorId":-1,"createDate":"2024-11-18T12:34:21Z","writerId":-1,"updateDate":"2024-11-27T15:39:16.84Z","cultures":{"":{"culture":"","name":"4. Value and Tax","urlSegment":"4-value-and-tax","date":"2024-11-18T12:34:21Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"As with all stock market investments the value of the Junior ISA can fall as well as rise and you may get back less than has been paid in.
Tax treatment depends on individual circumstances and may be subject to change in the future.
With pension investment, both the money you invest and the income from it can fall in value.
Before transferring, see Transfer considerations.
The value of investments can fall as well as rise and that you may not get back the amount you originally invested.
\nNothing in these briefings is intended to constitute advice or a recommendation and you should not take any investment decision based on their content.
\nAny opinions expressed may change or have already changed.
","notes":"","title":"","contentType":null,"key":"8e5ca4b2-4f3d-4f21-87ef-773fb88b2d56","id":5292,"name":"5. Professional advice","urlSegment":"5-professional-advice","sortOrder":10,"level":3,"path":"-1,3039,5282,5292","creatorId":-1,"createDate":"2024-11-19T14:48:27Z","writerId":-1,"updateDate":"2024-12-27T09:35:39.857Z","cultures":{"":{"culture":"","name":"5. Professional advice","urlSegment":"5-professional-advice","date":"2024-11-19T14:48:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Past performance is not a reliable indicator of future results. View full risk warning.
","notes":"","title":"","contentType":null,"key":"6d90fc31-9d2a-43ea-be14-cbb782b0d88c","id":5293,"name":"6. Full risk link","urlSegment":"6-full-risk-link","sortOrder":11,"level":3,"path":"-1,3039,5282,5293","creatorId":-1,"createDate":"2024-11-19T14:50:00Z","writerId":-1,"updateDate":"2025-03-04T14:44:19.81Z","cultures":{"":{"culture":"","name":"6. Full risk link","urlSegment":"6-full-risk-link","date":"2024-11-19T14:50:00Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Before transferring, see Transfer considerations.
","notes":"","title":"","contentType":null,"key":"b0f77c3b-ed35-490e-a324-94a0929c4e63","id":5314,"name":"1. Transfer notice","urlSegment":"1-transfer-notice","sortOrder":12,"level":3,"path":"-1,3039,5282,5314","creatorId":-1,"createDate":"2024-11-20T12:26:52Z","writerId":-1,"updateDate":"2024-11-20T12:27:04.63Z","cultures":{"":{"culture":"","name":"1. Transfer notice","urlSegment":"1-transfer-notice","date":"2024-11-20T12:26:52Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
","notes":"","title":"","contentType":null,"key":"694047db-9565-48fe-89cb-948cb96431fa","id":5455,"name":"27. Tax","urlSegment":"27-tax","sortOrder":13,"level":3,"path":"-1,3039,5282,5455","creatorId":2,"createDate":"2024-11-27T11:18:40Z","writerId":2,"updateDate":"2025-07-01T11:37:26.693Z","cultures":{"":{"culture":"","name":"27. Tax","urlSegment":"27-tax","date":"2024-11-27T11:18:40Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
Past performance is not a reliable indicator of future results.
ETFs can be high risk and complex and may not be suitable for retail investors, so you should make sure you understand all the risks involved before investing.
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
The value of a pension can go down as well as up – and you could get less than the amount that's been put in.
You should consider charges, investment choices and any valuable benefits that could be lost before combining any pensions.
Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply.
","notes":"","title":"","contentType":null,"key":"fa9a27d7-45d7-4318-b03a-41ad577dadd8","id":5321,"name":"21. Long term","urlSegment":"21-long-term","sortOrder":18,"level":3,"path":"-1,3039,5282,5321","creatorId":-1,"createDate":"2024-11-29T16:56:27Z","writerId":-1,"updateDate":"2024-11-29T16:56:37.853Z","cultures":{"":{"culture":"","name":"21. Long term","urlSegment":"21-long-term","date":"2024-11-29T16:56:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Income drawdown is complex and not suitable for everyone. Your pension remains invested so your income will be affected by the value and performance of underlying assets which may fall; make sure you understand the risks and costs before you go ahead.
","notes":"","title":"","contentType":null,"key":"65982c9d-78b6-4d4d-96d5-47fc3591ea1c","id":5322,"name":"22. Income drawdown","urlSegment":"22-income-drawdown","sortOrder":19,"level":3,"path":"-1,3039,5282,5322","creatorId":-1,"createDate":"2024-11-29T16:57:54Z","writerId":-1,"updateDate":"2024-11-29T16:58:02.393Z","cultures":{"":{"culture":"","name":"22. Income drawdown","urlSegment":"22-income-drawdown","date":"2024-11-29T16:57:54Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you.
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief.
Tax reliefs depend on individual circumstances and may change. They may be difficult to sell at a price close to the value of the underlying assets or at the time of your choosing. They should only form a small part of an investor’s portfolio.
You should read the relevant prospectus before making any decisions.
The information and guidance provided by the coaches is not regulated by the Financial Conduct Authority.
","notes":"","title":"","contentType":null,"key":"e427eb8c-de84-4e4f-81f7-8be7d22376fc","id":5331,"name":"28. Coaches","urlSegment":"28-coaches","sortOrder":22,"level":3,"path":"-1,3039,5282,5331","creatorId":-1,"createDate":"2024-12-09T11:45:13Z","writerId":-1,"updateDate":"2024-12-09T11:45:23.713Z","cultures":{"":{"culture":"","name":"28. Coaches","urlSegment":"28-coaches","date":"2024-12-09T11:45:13Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Venture Capital Trusts (VCTs) are high-risk investments and you may get back less than invested.
","notes":"","title":"","contentType":null,"key":"da526787-844e-434d-a14e-3f3eee3464bc","id":5379,"name":"29. VCTs (Short)","urlSegment":"29-vcts-short","sortOrder":23,"level":3,"path":"-1,3039,5282,5379","creatorId":-1,"createDate":"2025-01-28T15:33:58Z","writerId":-1,"updateDate":"2025-03-04T10:09:37.15Z","cultures":{"":{"culture":"","name":"29. VCTs (Short)","urlSegment":"29-vcts-short","date":"2025-01-28T15:33:58Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief. The value of investments can fall as well as rise and you may get back less than invested.
\nVCTs should only be considered by experienced investors once other financial planning solutions have been fully explored and should only form a small part of your portfolio.
With pension investment, both the money you invest and the income from it can fall in value.
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
","notes":"","title":"","contentType":null,"key":"e3d0402d-d19e-40a9-aa67-f4d859c9f63d","id":5283,"name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","sortOrder":1,"level":3,"path":"-1,3039,5282,5283","creatorId":-1,"createDate":"2024-11-13T17:21:02Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.087Z","cultures":{"":{"culture":"","name":"3. Value of your investments","urlSegment":"3-value-of-your-investments","date":"2024-11-13T17:21:02Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The specific securities identified and described are for informational purposes only and do not represent recommendations.
","notes":"","title":"","contentType":null,"key":"a61b2ca9-4e47-45c0-9f88-b37bd14c50ad","id":5284,"name":"9. Specific securities","urlSegment":"9-specific-securities","sortOrder":2,"level":3,"path":"-1,3039,5282,5284","creatorId":-1,"createDate":"2024-11-14T10:25:23Z","writerId":-1,"updateDate":"2024-11-19T13:53:57.29Z","cultures":{"":{"culture":"","name":"9. Specific securities","urlSegment":"9-specific-securities","date":"2024-11-14T10:25:23Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you. The Best SIPP is designed for people looking to invest at least £10,000 through any combination of one-off investments, regular contributions or transfers from other providers, over a short time frame.
","notes":"","title":"","contentType":null,"key":"7e27a9a5-560f-43ff-9a3d-2aae0cbfff00","id":5287,"name":"16. Sipps","urlSegment":"16-sipps","sortOrder":5,"level":3,"path":"-1,3039,5282,5287","creatorId":-1,"createDate":"2024-11-15T16:22:15Z","writerId":-1,"updateDate":"2025-02-03T10:55:30.657Z","cultures":{"":{"culture":"","name":"16. Sipps","urlSegment":"16-sipps","date":"2024-11-15T16:22:15Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Transfer considerations. Transfers should only be considered for pensions which do not offer any guaranteed or safeguarded benefits - not final salary or defined benefit schemes or pensions that offer particular annuity rates and other promises. You should ensure that by transferring you are not incurring unnecessary penalties, losing any benefits or features, and have considered any increase in pension charges.
","notes":"","title":"","contentType":null,"key":"ef005e57-13ee-4235-b529-6f516f67dff5","id":5288,"name":"15. Transfers","urlSegment":"15-transfers","sortOrder":6,"level":3,"path":"-1,3039,5282,5288","creatorId":-1,"createDate":"2024-11-15T16:30:51Z","writerId":-1,"updateDate":"2024-11-19T13:53:58.383Z","cultures":{"":{"culture":"","name":"15. Transfers","urlSegment":"15-transfers","date":"2024-11-15T16:30:51Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
\nTax treatment depends on the individual circumstances of each client and may be subject to change in the future.
","notes":"","title":"","contentType":null,"key":"cb98df25-73ed-4559-9947-d1b5ca6d169f","id":5289,"name":"4. Value and Tax","urlSegment":"4-value-and-tax","sortOrder":7,"level":3,"path":"-1,3039,5282,5289","creatorId":-1,"createDate":"2024-11-18T12:34:21Z","writerId":-1,"updateDate":"2024-11-27T15:39:16.84Z","cultures":{"":{"culture":"","name":"4. Value and Tax","urlSegment":"4-value-and-tax","date":"2024-11-18T12:34:21Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"As with all stock market investments the value of the Junior ISA can fall as well as rise and you may get back less than has been paid in.
Tax treatment depends on individual circumstances and may be subject to change in the future.
With pension investment, both the money you invest and the income from it can fall in value.
Before transferring, see Transfer considerations.
The value of investments can fall as well as rise and that you may not get back the amount you originally invested.
\nNothing in these briefings is intended to constitute advice or a recommendation and you should not take any investment decision based on their content.
\nAny opinions expressed may change or have already changed.
","notes":"","title":"","contentType":null,"key":"8e5ca4b2-4f3d-4f21-87ef-773fb88b2d56","id":5292,"name":"5. Professional advice","urlSegment":"5-professional-advice","sortOrder":10,"level":3,"path":"-1,3039,5282,5292","creatorId":-1,"createDate":"2024-11-19T14:48:27Z","writerId":-1,"updateDate":"2024-12-27T09:35:39.857Z","cultures":{"":{"culture":"","name":"5. Professional advice","urlSegment":"5-professional-advice","date":"2024-11-19T14:48:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Past performance is not a reliable indicator of future results. View full risk warning.
","notes":"","title":"","contentType":null,"key":"6d90fc31-9d2a-43ea-be14-cbb782b0d88c","id":5293,"name":"6. Full risk link","urlSegment":"6-full-risk-link","sortOrder":11,"level":3,"path":"-1,3039,5282,5293","creatorId":-1,"createDate":"2024-11-19T14:50:00Z","writerId":-1,"updateDate":"2025-03-04T14:44:19.81Z","cultures":{"":{"culture":"","name":"6. Full risk link","urlSegment":"6-full-risk-link","date":"2024-11-19T14:50:00Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Before transferring, see Transfer considerations.
","notes":"","title":"","contentType":null,"key":"b0f77c3b-ed35-490e-a324-94a0929c4e63","id":5314,"name":"1. Transfer notice","urlSegment":"1-transfer-notice","sortOrder":12,"level":3,"path":"-1,3039,5282,5314","creatorId":-1,"createDate":"2024-11-20T12:26:52Z","writerId":-1,"updateDate":"2024-11-20T12:27:04.63Z","cultures":{"":{"culture":"","name":"1. Transfer notice","urlSegment":"1-transfer-notice","date":"2024-11-20T12:26:52Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
","notes":"","title":"","contentType":null,"key":"694047db-9565-48fe-89cb-948cb96431fa","id":5455,"name":"27. Tax","urlSegment":"27-tax","sortOrder":13,"level":3,"path":"-1,3039,5282,5455","creatorId":2,"createDate":"2024-11-27T11:18:40Z","writerId":2,"updateDate":"2025-07-01T11:37:26.693Z","cultures":{"":{"culture":"","name":"27. Tax","urlSegment":"27-tax","date":"2024-11-27T11:18:40Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
Past performance is not a reliable indicator of future results.
ETFs can be high risk and complex and may not be suitable for retail investors, so you should make sure you understand all the risks involved before investing.
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
The value of a pension can go down as well as up – and you could get less than the amount that's been put in.
You should consider charges, investment choices and any valuable benefits that could be lost before combining any pensions.
Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply.
","notes":"","title":"","contentType":null,"key":"fa9a27d7-45d7-4318-b03a-41ad577dadd8","id":5321,"name":"21. Long term","urlSegment":"21-long-term","sortOrder":18,"level":3,"path":"-1,3039,5282,5321","creatorId":-1,"createDate":"2024-11-29T16:56:27Z","writerId":-1,"updateDate":"2024-11-29T16:56:37.853Z","cultures":{"":{"culture":"","name":"21. Long term","urlSegment":"21-long-term","date":"2024-11-29T16:56:27Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Income drawdown is complex and not suitable for everyone. Your pension remains invested so your income will be affected by the value and performance of underlying assets which may fall; make sure you understand the risks and costs before you go ahead.
","notes":"","title":"","contentType":null,"key":"65982c9d-78b6-4d4d-96d5-47fc3591ea1c","id":5322,"name":"22. Income drawdown","urlSegment":"22-income-drawdown","sortOrder":19,"level":3,"path":"-1,3039,5282,5322","creatorId":-1,"createDate":"2024-11-29T16:57:54Z","writerId":-1,"updateDate":"2024-11-29T16:58:02.393Z","cultures":{"":{"culture":"","name":"22. Income drawdown","urlSegment":"22-income-drawdown","date":"2024-11-29T16:57:54Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"SIPPs are not suitable for everyone as they may be more expensive than other types of pensions. They may not be right for you if you don’t want to invest across different asset classes or don’t think you will make use of the investment choices available to you.
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief.
Tax reliefs depend on individual circumstances and may change. They may be difficult to sell at a price close to the value of the underlying assets or at the time of your choosing. They should only form a small part of an investor’s portfolio.
You should read the relevant prospectus before making any decisions.
The information and guidance provided by the coaches is not regulated by the Financial Conduct Authority.
","notes":"","title":"","contentType":null,"key":"e427eb8c-de84-4e4f-81f7-8be7d22376fc","id":5331,"name":"28. Coaches","urlSegment":"28-coaches","sortOrder":22,"level":3,"path":"-1,3039,5282,5331","creatorId":-1,"createDate":"2024-12-09T11:45:13Z","writerId":-1,"updateDate":"2024-12-09T11:45:23.713Z","cultures":{"":{"culture":"","name":"28. Coaches","urlSegment":"28-coaches","date":"2024-12-09T11:45:13Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"Venture Capital Trusts (VCTs) are high-risk investments and you may get back less than invested.
","notes":"","title":"","contentType":null,"key":"da526787-844e-434d-a14e-3f3eee3464bc","id":5379,"name":"29. VCTs (Short)","urlSegment":"29-vcts-short","sortOrder":23,"level":3,"path":"-1,3039,5282,5379","creatorId":-1,"createDate":"2025-01-28T15:33:58Z","writerId":-1,"updateDate":"2025-03-04T10:09:37.15Z","cultures":{"":{"culture":"","name":"29. VCTs (Short)","urlSegment":"29-vcts-short","date":"2025-01-28T15:33:58Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"VCTs are higher-risk investments designed for UK resident taxpayers with an investment time horizon of greater than 5 years, which is the minimum holding period to qualify for income tax relief. The value of investments can fall as well as rise and you may get back less than invested.
\nVCTs should only be considered by experienced investors once other financial planning solutions have been fully explored and should only form a small part of your portfolio.
With pension investment, both the money you invest and the income from it can fall in value.
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).
\nThe 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.
\nThis free guide showcases The Best Funds List 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.
","primaryCta":{"url":"https://www.bestinvest.co.uk/guides/the-best-funds-list","name":"Download guide"},"title":"","contentType":null,"key":"a334013b-3c9b-43e6-84dd-95d263134ba6","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"e8880362-c276-4693-a223-af7dda2b956b","properties":null},"blockType":"fullTextCTABlock"},{"content":{"text":"Our Ready-made Portfolios 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.
\nYou keep control of your investments but benefit from the advice of a Coach with our Investment Advisory Service. The Coach 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.
\nThe 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 search tool to search the available options and review their performance, asset allocation and charges.
","contentType":null,"key":"c70e6e25-9e27-4e16-84ea-713114c3fc78","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"31b51c14-963a-410e-844c-9b545778bcb5","properties":null},"blockType":"fullTextBlock"},{"content":{"text":"Choose from more than 2,500 funds plus nearly every UK share with our Best SIPP.","contentType":null,"key":"929df611-df51-4a56-8110-8d38e92b700b","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"b5c4446f-2196-4494-91b8-b206d4fd1d5c","properties":null},"blockType":"quoteBlock"},{"content":{"subtitle":"Find out more about staying invested with the Best SIPP by speaking to our retirement experts:","title":"Speak to our experts","contentType":null,"key":"be30622f-01d3-4241-b96a-e659c3d4af44","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"b3f3358e-2d52-4e83-bd57-a222493020e0","properties":null},"blockType":"contactUsBlock"},{"content":{"text":"*The minimum charge for a SIPP is £120 per year.
\n** Subject to terms and conditions. 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).
\n***The Best™ Funds List is a trademark of Bestinvest.
\nSIPPs 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.
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