Best SIPP platform

A SIPP, or Self-Invested Personal Pension, is a type of pension that gives you control over how your retirement savings are invested. Rather than leaving the choices to a provider, you decide which shares, funds and ETFs to hold, all within a tax-efficient pension wrapper.

SIPPs tend to suit people who are comfortable making their own investment decisions and want more flexibility than a standard workplace pension offers. As with any pension, your money is usually locked away until you reach the minimum pension age.

When comparing SIPP platforms, fees are one of the biggest factors. Look at the annual SIPP or platform charge, dealing costs for buying and selling investments, and any extra fees that apply when you start drawing your pension.

It's also worth checking the range of investments available, the quality of the app and research tools, and whether the platform supports pension transfers if you want to consolidate existing pots. Matching the fee structure to your pot size helps you find the best long-term value.