What are the best SIPP and SSAS in 2020? | moneyfacts.co.uk

nigel woollsey

Nigel Woollsey

Online Writer
Published: 05/11/2019

How do we decide which SIPP and SSAS get the best rating?

Every year, Moneyfacts takes an expert look at all the products currently available for self-invested pension plans (SIPP) and small self-administered schemes (SSAS). Our product specialists examine each one carefully to determine its best elements and how they compare to others in the marketplace, as well as the level of benefit they bring to customers. Products are then awarded a star rating, with the best receiving the top awards of four and five stars.

How does a star rating help me find the best SIPP and SSAS?

Moneyfacts is both impartial and independent – so you can rely on our industry-leading experts to tell the whole, unvarnished truth about those SIPPs and SSASs. Using our simple five-star system, you can feel assured those that achieve our highest ratings have passed a stringent examination and been found to be among the best in the market.

What elements do we use to determine a star rating?

We take several features into account when considering the star rating for these products, with separate criteria for SIPP and SASS.

SIPP features:

  • Minimum contributions and transfers in
  • Investment options
  • Number of segments allowed
  • Set-up and admin fees
  • Dealing fees
  • Property purchase fees
  • In specie fees
  • Cash transfer fees
  • Lifetime annuity availability and charges
  • Capped drawdown charges
  • UFPLS availability and charges
  • Flexi access charges
  • Transfer out charges
  • Online valuation availability
  • Deposit account choice
  • Product closure charges

SSAS features:

  • Types of service offered
  • Minimum contributions and transfers in
  • Number of SSASs
  • Investment options
  • Funds under administration
  • Set-up and admin fees
  • Property and admin fees
  • Transfer out charges
  • VAT registration and administration charges
  • Capped drawdown charges
  • Lifetime annuity availability and charges
  • Flexi access charges
  • UFPLS availability and charges
  • Scheme pension availability and charges
  • Product closure charges

SIPP and SSAS – Five Star

Self Invested Personal Pensions (SIPP)

@sipp - Full SIPP
AJ Bell Investcentre - SIPP
Aviva - Pension Portfolio
Barnett Waddingham - Flexible SIPP
City Private Pension - SIPP
Corporate & Professional Pensions Ltd - The C&P SIPP
Curtis Banks - Your Future SIPP
Dentons Pension Management Ltd - Dentons SIPP
DP Pensions Ltd - The Premier Trust SIPP
EBS Pensions Ltd - The EBS SIPP
Embark Pensions - Embark Options SIPP
Hartley Pensions Ltd - Empire SIPP
Hartley Pensions Ltd - Abacus SIPP
Hartley Pensions Ltd - Prosperity SIPP
I.P.M. SIPP Administration Ltd - The IPM SIPP
InvestAcc - Minerva SIPP
InvestAcc - SIPP Lite
James Hay Partnership - Modular iSIPP
JLT Premier Pensions - Full SIPP
Killik & Co - The Killik & Co SIPP
London & Colonial - Open Pension SIPP
LV= - The Flexible Transitions Account
Momentum Pensions Ltd - Momentum Property SIPP
Options Pensions UK LLP - The Smart SIPP
Praemium - Praemium Retirement Account
Redswan Pensions - The Redswan SIPP
Rowanmoor - Rowanmoor SIPP (Full Investment)
Royal London - Pension Portfolio SIPP
Sanlam Investments & Pensions - OneSIPP
Scottish Widows - Retirement Account
Standard Life - SIPP
Talbot and Muir SIPP Ltd - The Talbot and Muir SIPP
Wensley Mackay - The Wensley Mackay SIPP
Westerby Trustee Services Ltd - SIPP
Xafinity - The Xafinity SIPP
Yorsipp - Full SIPP
Yorsipp Prestige Property - SIPP

 

Small Self Administered Schemes (SSAS)

Alltrust Services Ltd
Barnett Waddingham
Central Tax & Trustee Planning LLP
Curtis Banks Ltd
D A Phillips & Co Ltd
Day Cooper Day
Dentons Pension Management Ltd
InvestAcc Pension Administration Ltd
James Hay Partnership
JLT Premier Pensions
MDP Administration Services LLP
PensionAdmin Ltd
Rowanmoor
SSAS Practitioner.com Ltd
Wensley Mackay Ltd
Whitehall Group (UK) Ltd
Xafinity Consulting

SIPP and SSAS – Four Star

Self Invested Personal Pensions (SIPP)

@sipp - Collective SIPP
@sipp - Solo SIPP
@sipp - Solo SIPP +
AJ Bell - Platinum SIPP
Alliance Trust Savings - Select SIPP
Alltrust Services Limited - Alltrust SIPP
Astute Trustee Services Ltd - Complex SIPP
DP Pensions Ltd - The Premier Trust Single
Investment SIPP
Hargreaves Lansdown - HL SIPP
JLT Premier Pensions - Single SIPP
London & Colonial - Simple Investment SIPP
Morgan Lloyd Sipp Services Ltd - Qualitas SIPP
Morgan Lloyd Sipp Services Ltd - Directus SIPP
Options Pensions UK LLP - Smart Plus SIPP
Rowanmoor - Rowanmoor SIPP (Single Investment)
Xafinity - SimplySIPP
Yorsipp - Singular SIPP
Yorsipp - Step Up SIPP
Zurich Intermediary Platform - Retirement Account

 

Small Self Administered Schemes (SSAS)

@sipp
Mattioli Woods SSAS
Morgan Lloyd Administration Ltd
Redswan Pensions
Talbot & Muir Ltd
Yorssas Ltd

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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