Investing for 5+ years could increase your chances of stronger returns than cash savings. Markets rise and fall, so you can get back less than you put in. You're responsible for your investment decisions.
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Get started in 4 steps
Follow these steps to start investing for your retirement.
Open an IG Share Dealing or Smart Portfolio account — it takes less than five minutes online or via our app.
Add your SIPP through the My IG Dashboard, choosing a Share Dealing SIPP, a Smart Portfolio SIPP, or both.
You'll receive an invite from Options UK to set up your SIPP plan via their website.
Options UK can accept transfers from any UK registered pension scheme, or you can set up regular or one-off contributions.
Compare choosing your own SIPP investments with a ready-made smart portfolio.
Fees correct as of October 2026 and may vary; see our full charges schedule for details.
A regulated, experienced provider helping you invest for retirement.
Authorised and regulated by the Financial Conduct Authority for your peace of mind.
Your investments are held in segregated accounts and protected by the FSCS, up to £85,000. Cover depends on your circumstances.
Bank-level encryption and account security keep your pension safe around the clock.
A SIPP is a personal pension that gives you control over where your retirement savings are invested. Instead of being limited to a handful of funds offered by your pension provider, you can choose from a wide range of investments. You, your employer or anyone else on your behalf can pay in, and you normally receive tax relief on your contributions.¹ Your money stays invested until you’re ready to draw on it – you can normally only access it from age 55 (rising to 57 from 2028).
Explore popular ETFs and shares you can hold once your SIPP portfolio is with IG.
SIPP stands for self-invested personal pension — a way of saving for retirement that lets you take control of your investments, rather than being limited to a handful of funds from your pension provider.
You can invest as much as you like, though tax relief is governed by an annual allowance — £60,000 for most UK residents in the current tax year.
Options UK can accept transfers from any UK registered pension scheme or recognised overseas pension scheme; you can transfer in cash or transfer your existing investments if they're permitted within the Options SIPP.
Options UK Personal Pensions LLP are an independent pension administration company providing specialist pension services to the UK market; the trustee of the SIPP is MK SIPP Trustees UK Ltd, administering over £1.7 billion of client funds.
A SIPP suits people who want to make their own investment decisions, and you can normally only access the funds from age 55 (57 from 2028) — make sure you won't lose valuable guarantees or incur excessive transfer penalties before you transfer.
Yes, amounts drawn from your SIPP at retirement are subject to income tax at the prevailing rates.
