Investment ideas for your SIPP

The great advantage a SIPP holds over other pensions is that they let you invest pretty much where you like. We have created two new SIPP portfolios, one for people who have 11 or more years until retirement, and the other for those with less than 10 years. Each contains 4 funds. 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

Portfolio for those about 10 years from retirement

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 combine to provide a high level of equity exposure but with a blend of other asset classes and an emphasis on income that should temper the volatility.

* 0.25% dilution levy applies to all purchases and sales

Portfolio for those with 11 years or more until retirement

I have designed this Pension Performance Portfolio to appeal to a wide range of SIPP clients. It consists of four flagship funds from four leading investment companies. At a stroke, it gives a pension diversification in terms of investment company, style and management. Although not personal advice, the Pension Performance 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.

Mark Dampier’s Wealth 150

If you’d like information on other funds our Wealth 150 list is a good place to start. As the name suggests it’s 150 of our most favoured funds that’s regularly monitored and updated by our investment team.

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.