What is a SIPP?

A self invested personal pension (SIPP) is a vehicle that lets you save for your retirement in a tax-efficient way. It is a personal pension wrapper that can hold a wide range of permitted assets both directly and through collectives. It offers you a higher level of flexibility and control over investment choices, which is useful if you use it. Should you only want a more limited investment choice, you may be able to access this more cost-effectively without the SIPP wrapper cost.

What can a SIPP invest in?

A principal feature of the Dentons SIPP is the freedom of the client to choose their investments from a wide selection, unlike a personal pension where you can usually only invest in a range of funds offered by an insurance company.

With a SIPP, you will be able to take direct control over your investment strategy, which allows you to invest directly in a range of assets such as stocks and shares, commercial property, unlisted shares, collective funds and bank/building society deposit accounts.

sipp investment options

Tax benefits.

Under current legislation,  a SIPP enjoys considerable tax benefits:

  • Tax relief on permitted personal contributions at your highest marginal rate of income tax, subject to certain limits
  • Investments are generally exempt from UK income tax and capital gains tax (CGT)
  • Employer’s contributions may qualify for full tax relief as a business expense 
  • Benefits on death will normally be free from inheritance tax
  • Benefits on death before age 75 could be free of any tax
  • Our SIPP frequently asked questions (FAQs) section will provide you with more in

SIPP contributions

You, your employer or a third party other than your employer may contribute to your self invested personal pension. This can be on a regular basis, as one-off contributions or a combination of both. there is no specific requirement to contribute and you can pay at intervals that suit your personal cicrumstances.

You will normally be eligible for tax relief on the total amount of contributions you and/or a third party (other than an employer) pay in a tax year to your self invested personal pension and any other registered pension schemes you may have, that do not exceeed the greater of:

  • £3,600 gross and
  • 100% of your relevant UK earnings that are changeable to income tax for the tax year in question.


The Dentons SIPP provides clients with a clear administration charging structure. The annual administration for running the Full SIPP is charged at £612 per annum, a lower fee of £444 may apply where clients choose to invest funds in a single porfolio with an investment manager or platform.

View the sipp fee schedule

More questions on SIPP?

Our SIPP frequently asked questions (FAQs) section will provide you with more information about SIPP, to help you decide whether this is the most suitable retirement vehicle for you.

SIPP Frequently Asked Questions (FAQs)

How to open a SIPP with Dentons?

Start your SIPP application today, by completing our SIPP application online.

SIPP investments.

We offer clients one of the widest ranges of asset classes in the industry, designed to suit even the most complex self invested personal pension investment strategies. We can tailor our approach to help clients meet their objectives using our SIPP.

Ready to find out more?
Speak to an expert today.

Whatever your retirement needs, one of our experts will be happy to discuss how we can help you achieve your goals.