Who are SIPPs for?

If you’re an experienced investor disillusioned with your standard personal pension, a SIPP could be worth your time and consideration. 

SIPPs are typically aimed at those who want to take more control over their investments and retirement planning. The ability to hold a wider range of assets in a SIPP, such as commercial property, is a key attraction for many investors.

To open a SIPP, you must be under the age of 75, and you can’t access your SIPP until you are 55. You can open a SIPP for yourself, or for someone else. 


SIPPs are most suitable for people who want more control over their retirement savings, but they’re not risk free. You should be an experienced investor who knows what you’re letting yourself in for, and you need to understand and be comfortable with the risks associated with a SIPP.

You should also;

  • Be comfortable with your own investment decisions
  • Want a wide range of investment choices
  • Be willing to keep track of and monitor the performance of your SIPP
  • Have a large pension fund, or intend on making significant pension contributions
  • Have an independent financial advisor to make decisions on your behalf (particularly if you opt for a Full SIPP)

Some people also choose to open a Junior SIPP for their child in order to give their retirement savings a head start. 



CARLTON Bonds are an IFISA provider specialising in fixed term property bonds.

Against a backdrop of low interest rates and a volatile stock market, the IFISA can provide an attractive investment opportunity for experienced investors. 

With the ability to hold peer-to-peer loans and debt-based securities, IFISA investments have the potential to generate higher rates of return than more traditional investment routes for investors with a greater appetite for risk.

To find out more, download our free IFISA guide.

The Innovative Finance ISA Guide