Published 4 July 2012 · Last reviewed 1 May 2026

A self invested personal pension (SIPP) is simply a personal pension scheme that offers a much wider spectrum of investment choice when compared to a traditional personal pension offered by a life office.

For example, a self invested personal pension (SIPP) can invest directly in commercial property or in company shares. A SIPP can also borrow funds from a third party, such as a bank.