25 articles tagged with SIPP.
Why residential buy-to-let property can't be held directly in a UK SIPP in 2026/27, what property a SIPP can hold, and alternative routes for property investors.
What to check before combining several old UK workplace pensions into a single SIPP, including exit fees, lost guarantees and the £60,000 annual allowance for 2026/27.
How sequence-of-returns risk can permanently damage a SIPP in drawdown even if long-term average returns are fine, and practical ways to reduce it in 2026/27.
The Lump Sum Allowance caps tax-free pension cash at £268,275 in 2026/27, replacing the old Lifetime Allowance mechanism. How it works, and the separate £1,073,100 Lump Sum and Death Benefit Allowance.
Once you flexibly access taxable pension income, the Money Purchase Annual Allowance cuts your future tax-relieved pension contributions from £60,000 to £10,000 a year in 2026/27. What triggers it and what doesn't.
What Pension Wise is, who can book a free appointment from age 50, what it does and doesn't cover, and why it's not the same as regulated financial advice — with a worked example of when to use it.
How the small pot pension rule lets you cash in pension pots worth up to £10,000 without affecting the Money Purchase Annual Allowance — worked example and the 3-pot limit for personal pensions.
Why an expression of wishes form for your pension is not legally binding but still crucial in 2026/27, how scheme trustees use it, and why it needs updating after major life events.
How to think about a sustainable withdrawal rate from pension drawdown in 2026/27 — the traditional 4% rule, why it may not fit UK retirees, and a worked example.
The difference between nominee drawdown and successor drawdown for inherited pensions in 2026/27 — who can use each route, how the beneficiary's own death affects the fund, and the tax treatment.
How phased retirement works using flexible drawdown in 2026/27 — crystallising your pension pot in stages, tax-free cash timing, and combining part-time work with drawdown income.
Comparing stakeholder pensions and SIPPs in 2026/27 — charge caps, investment choice, and which type of saver each one genuinely suits.
Basic rate relief on SIPP contributions is automatic, but higher and additional rate taxpayers must actively claim their extra tax relief — worth thousands per year.
The minimum pension access age rises from 55 to 57 on 6 April 2028. If you were born between 1971 and 1973, you may face a temporary gap where you can't access your pension at 55. Here's what the change means and how to plan around it.
How big a pension pot do you need to retire at 60 in the UK in 2026? We cover target income, the bridge to State Pension at 67, safe drawdown rates and a full worked example.
How pensions are taxed in the UK in 2026/27: the 25% tax-free lump sum, how the rest is taxed at your marginal rate, the annual allowance, and how to draw income tax-efficiently.
How much can you put in a pension in 2026? Annual Allowance £60,000, tapered AA, carry forward rules, MPAA £10,000 and defined benefit pension testing explained.
If you have unused pension annual allowance from 2023/24, the carry-forward window closes on 5 April 2027. How to use it, how much you can contribute, and whether it's worth it.
Your 30s are the decade where pension decisions define retirement. We break down the real numbers: how much to contribute, what pot size to target, and how different contribution rates play out over time.
Junior ISA gives £9,000/year, no tax, accessible at 18. A Children's SIPP gives £3,600 gross with 20% tax relief and locks money to age 57. Side-by-side worked example over 18 years.
The £1.073m Lifetime Allowance was abolished from 6 April 2024 and replaced by three new limits in 2025/26: Lump Sum Allowance (£268,275), Lump Sum and Death Benefit Allowance (£1,073,100), and an Overseas Transfer Allowance. Here's how the new framework works.
UK pension carry forward lets you sweep up to three years of unused £60,000 annual allowance into one tax year — up to £200,000 total contributions. How it works, the rules and a worked example saving £24,000.
HMRC's pension recycling rule prevents taking a 25% tax-free lump sum and 're-investing' it back into a pension to claim relief twice. Here's how the £7,500 trigger works and how to stay onside.
The tapered annual allowance starts at £260,000 threshold income and £260,000 adjusted income, cutting your £60,000 pension allowance by £1 for every £2 over the threshold — down to a £10,000 floor. Worked examples for 2025/26.
Workplace pensions get employer matching and salary sacrifice efficiency. SIPPs get investment choice and platform flexibility. Most UK savers should use both — here's how to combine them in 2026.
