Education

The driver has been a higherInterest Rateenvironment, with the Bank of EnglandBase Rateat 3.75% in May 2026 and long-dated gilt yields well above the levels seen during the post-2009 era.

Pension Freedoms give four mainOptions: full lump sum, drawdown,Annuity, or UFPLS, and these can be combined.

A SIPP can hold a wide range of investments including funds, ETFs, UK and overseas shares, bonds, gilts and commercial property. The exactOptionsdepend on the SIPP provider and HMRC rules on permitted assets. This article reviews the main categories, the rules around them, common …

A full SIPP can hold UK commercial property such as offices, shops and warehouses. HMRC rules permit commercial property but generally disallow residential property. Property purchases can involve borrowing of up to 50% of the SIPP value, rent paid by the tenantBusinessand specialist tax …

SIPP fees can include platform charges, dealing fees, fund management charges, drawdown costs and one-off transaction fees. Total cost of ownership matters more than headline rates, especially over long retirement horizons. This article explains the main charge types and the questions UK investors may …

In 2026, that mindset is changing rapidly.

Yet in 2026, a major behavioural shift is underway.