Investment ideas for your SIPP
SIPP portfolio ideas from Mark Dampier
The great advantage a SIPP holds over other pensions is that it lets you invest pretty much where you like. We have created two SIPP portfolios, one for people who have 11 or more years until retirement, and the other for those with about 10 years. You can use them as they are, or use them as a core and add whatever appeals depending on your circumstances and attitude.
Mark Dampier, Head of Investment Research;
10 years from retirement - SIPP portfolio
If you are 10 years away from retirement it may be time to consider taking a little risk off the table. In many cases it will make sense to gradually shift your portfolio towards fixed interest and cash as you get nearer to retirement, although this decision will depend on your individual circumstances. If you are considering income drawdown that will change your timescales. Ten years is a long time in investment, though, so there is still plenty of potential gain to be had in the equity markets. The four funds I have chosen are run by top class managers with a long term track record. They have a high level of stock market exposure but are managed with different investment styles that should temper the volatility.
| Portfolio Breakdown | 25% | 25% | 25% | 25% |
|---|---|---|---|---|
| M&G Global Leaders | Neptune Balanced | PSigma Income | Cazenove UK Absolute Target | |
| Details » | Details » | Details » | Details » | |
| Initial charge | 0.00% | 5.00% | 5.25% | 5.00% |
| Initial saving | 0.00% | 5.00% | 4.75% | 5.00% |
| Annual charge | 1.50% | 1.60% | 1.50% | 1.25% |
| Total expense ratio | 1.68% | 1.53% | 1.68% | 2.20% |
11 years or more until retirement - SIPP growth portfolio
I have designed this growth portfolio to appeal to a wide range of SIPP clients. It consists of five flagship funds from five leading investment companies. At a stroke, it gives a pension diversification in terms of investment company, style and management. Although not personal advice, the Growth Portfolio should appeal to both novice and experienced investors alike. I have chosen each fund in the portfolio not in pure isolation, but with a mind on how each one will dovetail with the others. Each fund aims to make you money, but with different thought processes. This avoids you placing all your pension in one fund. While we hope all will fire on four cylinders all the time, should one or two find the going somewhat harder for a while, we hope that the others should take up the running.| Portfolio Breakdown | 20% | 20% | 20% | 20% | 20% |
|---|---|---|---|---|---|
| Aberdeen Emerging Markets | Artemis Strategic Assets | Insynergy Odey | M&G Global Basics | Neptune Global Equity | |
| Details » | Details » | Details » | Details » | Details » | |
| Initial charge | 4.25% | 5.25% | 5.00% | 0.00% | 5.00% |
| Initial saving | 4.25% | 5.25% | 4.75% | 0.00% | 5.00% |
| Annual charge | 1.75% | 1.50% | 1.90% | 1.50% | 1.60% |
| Total expense ratio | 1.90% | 1.70% | 2.08% | 1.65% | 1.70% |
Important note: Please remember that all investments can fall in value as well as rise and therefore you should hold them for the long term. If you have any doubts as to the suitability of an investment please ask us for personal advice.
A low cost investment idea
If you are looking for a low cost managed fund to get you started we have negotiated a special deal with Schroders on their Schroder Managed Balanced Fund. We can fully discount the initial charge of 5.25% and the annual management fee is just 0.8% (Total Expense Ratio 0.99%). Schroder Managed Balanced Fund details.
Mark Dampier's Wealth 150 - our favourite funds in each sector
If you'd like information on other funds for your SIPP our Wealth 150 list is a good place to start. As the name suggests it's 150 of our most favoured funds in each sector that are regularly monitored and updated by our investment team.
How to apply
Applying for a Vantage SIPP should take you no more than 10 minutes.
Latest investment ideas
HL Multi-Manager Income & Growth
Invests in a selection of the very best equity income funds, making it an excellent choice for those who prefer to leave the fund selection to our experts.
Artemis Strategic Assets
The experienced William Littlewood aims to outperform cash and shares over three-year periods by moving aggressively between a variety of asset classes.
Jupiter Absolute Return
Philip Gibbs aims to provide a positive return each year regardless of the direction of the stock market or economic conditions, and has every tool in the box at his disposal.
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