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 value of a pension and the income from it can go down as well as up – and you could get less than the amount that's been put in.
\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.
Modal body text
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","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 and the income from it 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.
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.
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":"VCTs (Venture Capital Trusts) should be regarded as high-risk investments. You can lose all the money you put into them. See more on the risks of investing in VCTs below.
","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":"2025-09-22T15:37:03.91Z","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 investment can go down and you can lose all the money you originally invested. Shares are a high-risk product. They may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest.
","notes":"","title":"","contentType":null,"key":"ada9a131-b33c-47cb-ba68-e020b82b3c70","id":5484,"name":"IPOs","urlSegment":"ipos","sortOrder":27,"level":3,"path":"-1,3039,5282,5484","creatorId":-1,"createDate":"2025-09-22T15:36:27Z","writerId":-1,"updateDate":"2025-09-22T15:36:41.52Z","cultures":{"":{"culture":"","name":"IPOs","urlSegment":"ipos","date":"2025-09-22T15:36:27Z"}},"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. Before investing in funds please check the specific risk factors on the key features document or refer to our risk warning notice as some funds can be high risk or complex; they may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest.
","notes":"","title":"","contentType":null,"key":"691d17fc-aef1-4528-aeeb-dbe0f870838c","id":5485,"name":"Best funds","urlSegment":"best-funds","sortOrder":28,"level":3,"path":"-1,3039,5282,5485","creatorId":-1,"createDate":"2025-09-23T13:00:46Z","writerId":-1,"updateDate":"2025-09-23T13:01:08.677Z","cultures":{"":{"culture":"","name":"Best funds","urlSegment":"best-funds","date":"2025-09-23T13:00:46Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"With pension investment, both the money you invest and the income from it can fall in value. SIPPs may not be suitable for everyone. Please seek advice if you are unsure.
","notes":"","title":"","contentType":null,"key":"ec44a388-b174-47d0-b297-b60a7f97227e","id":5489,"name":"Pension investment + Seek advice","urlSegment":"pension-investment-plus-seek-advice","sortOrder":29,"level":3,"path":"-1,3039,5282,5489","creatorId":-1,"createDate":"2025-09-26T09:52:35Z","writerId":-1,"updateDate":"2025-09-26T09:53:43.217Z","cultures":{"":{"culture":"","name":"Pension investment + Seek advice","urlSegment":"pension-investment-plus-seek-advice","date":"2025-09-26T09:52:35Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The value of a pension and the income from it can go down as well as up and you could get less than the amount that's been put in.
","notes":"","title":"","contentType":null,"key":"0c1d10af-c713-48d9-8844-4b67e9f9c5e2","id":5495,"name":"The value of a pension and the income from it","urlSegment":"the-value-of-a-pension-and-the-income-from-it","sortOrder":30,"level":3,"path":"-1,3039,5282,5495","creatorId":-1,"createDate":"2025-10-13T13:24:24Z","writerId":-1,"updateDate":"2025-10-13T13:26:29.883Z","cultures":{"":{"culture":"","name":"The value of a pension and the income from it","urlSegment":"the-value-of-a-pension-and-the-income-from-it","date":"2025-10-13T13:24:24Z"}},"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.Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Before investing in funds please check the specific risk factors on the key features document or refer to our risk warning notice as some funds can be high risk or complex; they may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest.
","notes":"","title":"","contentType":null,"key":"afb0e554-5e4b-4270-a4ac-cbfccbf211cd","id":5498,"name":"4. Value, Tax + Funds","urlSegment":"4-value-tax-plus-funds","sortOrder":31,"level":3,"path":"-1,3039,5282,5498","creatorId":-1,"createDate":"2025-10-13T15:55:14Z","writerId":-1,"updateDate":"2025-10-13T15:56:41.557Z","cultures":{"":{"culture":"","name":"4. Value, Tax + Funds","urlSegment":"4-value-tax-plus-funds","date":"2025-10-13T15:55:14Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"childrenForAllCultures":[{"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 and the income from it 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.
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.
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":"VCTs (Venture Capital Trusts) should be regarded as high-risk investments. You can lose all the money you put into them. See more on the risks of investing in VCTs below.
","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":"2025-09-22T15:37:03.91Z","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 investment can go down and you can lose all the money you originally invested. Shares are a high-risk product. They may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest.
","notes":"","title":"","contentType":null,"key":"ada9a131-b33c-47cb-ba68-e020b82b3c70","id":5484,"name":"IPOs","urlSegment":"ipos","sortOrder":27,"level":3,"path":"-1,3039,5282,5484","creatorId":-1,"createDate":"2025-09-22T15:36:27Z","writerId":-1,"updateDate":"2025-09-22T15:36:41.52Z","cultures":{"":{"culture":"","name":"IPOs","urlSegment":"ipos","date":"2025-09-22T15:36:27Z"}},"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. Before investing in funds please check the specific risk factors on the key features document or refer to our risk warning notice as some funds can be high risk or complex; they may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest.
","notes":"","title":"","contentType":null,"key":"691d17fc-aef1-4528-aeeb-dbe0f870838c","id":5485,"name":"Best funds","urlSegment":"best-funds","sortOrder":28,"level":3,"path":"-1,3039,5282,5485","creatorId":-1,"createDate":"2025-09-23T13:00:46Z","writerId":-1,"updateDate":"2025-09-23T13:01:08.677Z","cultures":{"":{"culture":"","name":"Best funds","urlSegment":"best-funds","date":"2025-09-23T13:00:46Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"With pension investment, both the money you invest and the income from it can fall in value. SIPPs may not be suitable for everyone. Please seek advice if you are unsure.
","notes":"","title":"","contentType":null,"key":"ec44a388-b174-47d0-b297-b60a7f97227e","id":5489,"name":"Pension investment + Seek advice","urlSegment":"pension-investment-plus-seek-advice","sortOrder":29,"level":3,"path":"-1,3039,5282,5489","creatorId":-1,"createDate":"2025-09-26T09:52:35Z","writerId":-1,"updateDate":"2025-09-26T09:53:43.217Z","cultures":{"":{"culture":"","name":"Pension investment + Seek advice","urlSegment":"pension-investment-plus-seek-advice","date":"2025-09-26T09:52:35Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null},{"body":"The value of a pension and the income from it can go down as well as up and you could get less than the amount that's been put in.
","notes":"","title":"","contentType":null,"key":"0c1d10af-c713-48d9-8844-4b67e9f9c5e2","id":5495,"name":"The value of a pension and the income from it","urlSegment":"the-value-of-a-pension-and-the-income-from-it","sortOrder":30,"level":3,"path":"-1,3039,5282,5495","creatorId":-1,"createDate":"2025-10-13T13:24:24Z","writerId":-1,"updateDate":"2025-10-13T13:26:29.883Z","cultures":{"":{"culture":"","name":"The value of a pension and the income from it","urlSegment":"the-value-of-a-pension-and-the-income-from-it","date":"2025-10-13T13:24:24Z"}},"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.Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Before investing in funds please check the specific risk factors on the key features document or refer to our risk warning notice as some funds can be high risk or complex; they may also have risks relating to the geographical area, industry sector and/or underlying assets in which they invest.
","notes":"","title":"","contentType":null,"key":"afb0e554-5e4b-4270-a4ac-cbfccbf211cd","id":5498,"name":"4. Value, Tax + Funds","urlSegment":"4-value-tax-plus-funds","sortOrder":31,"level":3,"path":"-1,3039,5282,5498","creatorId":-1,"createDate":"2025-10-13T15:55:14Z","writerId":-1,"updateDate":"2025-10-13T15:56:41.557Z","cultures":{"":{"culture":"","name":"4. Value, Tax + Funds","urlSegment":"4-value-tax-plus-funds","date":"2025-10-13T15:55:14Z"}},"itemType":2,"children":[],"childrenForAllCultures":[],"properties":null}],"properties":null},"children":[],"childrenForAllCultures":[],"properties":null},"subtitle":"Leaving your pension invested when you reach retirement","title":"Staying invested in retirement","contentType":null,"key":"217d22b9-c31c-4e7e-89fe-ec59e14d157c","properties":null},"settings":{"purpleBlockStyle":true,"contentType":null,"key":"9fd7d92a-bc7a-4dae-8b6d-fd9f268418e1","properties":null},"blockType":"smallHeaderBlock"},{"content":{"copy":"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.
\nLow service fees
\nAward-winning
\nEasy set up
\nBefore you consider transferring a pension, it is important to ask yourself:
\nWe do not accept transfers from employer pension schemes that contain any type of defined benefit or guarantee unless your financial adviser has recommended you to do the transaction.
","primaryCta":{"url":"/sipps/pension-transfers","name":"Learn more about transferring a pension"},"title":"Introduction","contentType":null,"key":"ac532b29-3344-4790-b9ca-22b5476924eb","properties":null},"settings":{"purpleBlockStyle":true,"contentType":null,"key":"ec1df3e8-f3cd-4824-8ad8-f1570fc17232","properties":null},"blockType":"fullTextCTABlock"},{"content":{"link":{"url":"/accounts/ssas-pension","name":"Learn more"},"subtitle":"It’s easy to maximise your SSAS pension investments at Bestinvest ","title":"Do you have a SSAS?","contentType":null,"key":"6b2d2f8e-053b-4cf2-a221-8f60c303e23d","properties":null},"settings":{"purpleBlockStyle":false,"contentType":null,"key":"ef93c81e-ed88-4ef2-87e3-d5628f804543","properties":null},"blockType":"contentCtaBlock"},{"content":{"copy":"The Best™ Funds List features our take on the ‘best’ funds from across the different sectors. These are the ones that we think are capable of doing better than their peers and the benchmark. Of course, we can’t guarantee this, but we do have real conviction in them.
\nThe Best™ Funds List is a trademark of Bestinvest.
","primaryCta":{"url":"https://www.bestinvest.co.uk/guides/the-best-funds-list","name":"Download the guide"},"title":"The Best™ Funds List","contentType":null,"key":"a334013b-3c9b-43e6-84dd-95d263134ba6","properties":null},"settings":{"purpleBlockStyle":true,"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 can keep control of your investments but benefit from the guidance of a Coach. Coaches can't provide specific advice about where to invest but they can offer general investment education, guidance and support. If you need personalised investment advice, you might like to explore our Portfolio Health Check service.
\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":true,"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"}],"breadcrumbs":[{"name":"Home page","url":"/"},{"name":"Pensions and retirement","url":"/pensions-and-retirement"},{"name":"Staying invested","url":"/pensions-and-retirement/staying-invested"}],"subnavigation":{"items":[{"name":"Income drawdown","url":"/pensions-and-retirement/income-drawdown"},{"name":"Annuities","url":"/pensions-and-retirement/annuities"},{"name":"Lump sum withdrawals","url":"/pensions-and-retirement/lump-sum-withdrawals"},{"name":"Staying invested","url":"/pensions-and-retirement/staying-invested"}],"current":{"name":"Pensions and retirement","url":"/pensions-and-retirement"}},"subPageNavigationControls":{"prev":{"name":"Lump sum withdrawals","url":"/pensions-and-retirement/lump-sum-withdrawals"}}},"pageType":"subPage","pageUrl":"/pensions-and-retirement/staying-invested","published":"2025-08-01T15:34:02.55Z","pageId":1796}