The BEST SIPP For 2025 UK (Self Invested Personal Pension)

Best SIPP Platforms For 2025:

Best Pension (SIPP) for 2024 Guide:

00:00 Best SIPP 2024
1:00 Platform Fees
4:32 Trading Fees
7:19 FX Fee
8:36 - What's Included?
9:49 - Limited Company Contributions
10:22 - Mobile or Desktop?
11:10 - Is it safe?
11:27 - Company Age
11:54 - Reviews
13:01 - Customer Support
13:30 - Transfer Available?
13:56 - Drawdown
14:45 - Multi Accounting
15:29 - Free Bonuses
15:57 - Fee Comparison (Real Example)
19:49 - SIPP Tier List
22:00 - Who I'm Using?

#SIPP #Pensions #Pension

*None of the advice mentioned in the video is to be taken as financial or investment advice as it’s for entertainment purposes. Some links above include affiliate commissions/referrals.

[chrispalmer]

I would use InvestEngine if you're just starting out/in the stage of growing your pension and Interactive Investor if you are further along or near retirement and need a drawdown facility.

[LD-vnzu]

Your analysis is just hands down the most thorough on the internet. Awesome amount of detail. Thanks!!!

[questionablelawnmower]

Brilliant comparison video, but very odd as to why IBKR was left out. IBKR seems like the best option to me and is one of the biggest brokers out there. They require a SIPP administrator rather than direct, however it's still a simple, cost-effective process while its offerings exceed the other categories that were compared too. It would have also been nice to see which SIPP providers in this video offer more than just stocks and ETFs, such as options trading which IBKR appears to be the only one in the UK offering in SIPPs.

Additionally, you say at 13:50 that Freetrade charges users £17 per share to transfer it out, but It's per holding, and only for US stocks. So the video indicates the price could be astronomical, but is actually either not applicable or quite low if the portfolio is only a few US stocks, such as £85 for 5 holdings (I don't recommend Freetrade, but just ensuring accuracy).

Unrelated, but your PC build in the background is awesome! Out of curiosity, what are those cables with the illumination that occurs every 3 secs?

[Gtbg]

Great video Chris. The moment I left my job I transferred work pension from Aviva to ii SIPP. Fees dropped massively. It’s a scandal what some workplace pensions charge but you are kind of locked in due to employer contributions. I worry about folk who just leave their pensions in high fee pensions. Even though I tell as many people as possible to check on these fees they don’t see, to bother.

[shamuprincess]

Hi Chris, I’ve just found your YouTube now and looking to open a SIPP. From your information I was going to open one with Vanguard but notice they’ve just brought in new fees. I’m thinking Invest Engine. This is all new to me. My news years resolution is to research how to invest for my future as I’ve always put it off previously as found it all overwhelming, thank you for making such a helpful and informative video 😊

[alekseizaboronsky]

Really fantastic video, Chris - informative, relevant and delivered in an approachable, friendly way. Also beautifully presented! Thanks for sharing your knowledge!

[stuartabel]

Excellent video thank you,
Answered questions I didn’t even know I had 😊

[kirsten]

I think it's outrageous in these days of alleged pension freedoms that I am trapped with People's Pension until either my firm changes provider or I change firm. Partial transfers should be a given. I only contribute the statutory minimum there via payroll deductions. The bulk of my surplus salary each month goes to my Vanguard SIPP (and ISA).

[rahoolmukherjee]

Scottish Widows charge 0.18 % and Aviva -0.25. Infact Quilter charges 0.25% as well. The aforementioned ones provide almost all the funds available in the whole market with various types of investment strategies.

[lawrencer]

Very informative, I use fidelity & did not know I would be better off with an EFT on thier platform regarding fees.

[andrewcarmeichal]

Another excellent comparison vid, thanks!

[missxsbalanced-hwnl]

This was an absolutely perfect video; you nailed the info. Thank you!

[yesmarioo]

Thanks for the great work Chris. Lots of people will benefit from this video. Would have been interesting to see the costs for portfolios that also invest shares and funds but l understand things would have been quite complicated. Again, thanks again for the great video.

[SisterAbdullahX]

The fact that Invest Engine seems to be taking forever to sort out a function enabling the transfer of old work place pensions onto their platform is becoming a bit of a deal breaker! How long can it take!?

[joshuaalfred]

Brilliant stuff mate. Comprehensive and simple to follow, much appreciated Chris!

[christines]

Excellent work Chris. Very good comparisons on every category of cost.

[jameschilton]

Thanks Chris, that was one of the best comparisons I've seen - many leave out FX fees which really affect me. I have accounts with ii and AJ Bell and as you point out they are both quite close. However due to the Fx fees with ii which are about double AJ Bell, I have opened a SIPP with AJ Bell and am in the process of moving my Trade and ISA accounts from ii to AJ Bell.

[tomdrapichrust]

Freetrade is £9.99 when paid annually (£119.88 pa)

[imi_xo]

Super glad I found your channel, thank you! This was super helpful. Looking forward to finding out more in my research. New subscriber. :D

[polmacdiarmada]

Great summary of all key platforms... Thanks 👍