The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028).
Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits, such as:
- Guaranteed annuity rates
- Lower protected pension age
- Matching employer contributions
If you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser.
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