Freedom and control over your pension

Self-invested Personal Pensions such as the Saga SIPP are designed to help you save for retirement and take an income when you stop working. The main difference between SIPPs and other pensions is the control they give you over your money. With the Saga SIPP we can choose and manage your investments for you or you can do it yourself.

Why choose the Saga SIPP?

There are many reasons to choose the Saga SIPP:

Clear, low-cost SIPP fees

We give you great value for money with clear charges and lower fees for larger pensions.

If you choose to move to us from another provider, we’ll pay up to £500 to cover any exit fees your existing providers may charge.

£0 - 250,000


a year

£250,001 - £1 million


per year

£1 million +


a year

Representative example:







You pay £3 for every £1,000 invested

Important information

SIPPs aren’t suitable for everyone, and if you don’t think you will make use of the wider choice of investments that a SIPP gives you then a SIPP may not be right for you. Investors should review their portfolio regularly or get regulated advice to make sure their SIPP investments continue to meet their pension requirements.

*Before you transfer a pension, you should ask yourself: Will you be penalised by your current pension provider if you transfer? Do you have an occupational final salary pension? (in which case it is unlikely that you would be better off by transferring). Have you thought about your current charges? (a new plan may be more expensive, especially if you have a stakeholder pension).