SIPP Start-Up Fund

Not sure how to invest? Our SIPP Start-Up Fund is our standard pension investment option, designed for a typical investor to get you started to meet your retirement goals.

1. Tell us when you’d like to retire

Tell us when you plan to retire, and we’ll suggest a fund for you.

We'll match you with an investment to suit your retirement date.

Show fund

2. Check out your Start-Up Fund

This fund is based on your age and the year your want to retire.

Your fund will appear here

We’ll suggest a fund based on your age and when you’d like to retire.

You’ll be able to check past performance, fees and charges and risk profile.

Your suggested fund

Fund name: BlackRock LifePath Target Date Retirement D Acc GBP

Fund ISIN ref: GB00BRTCQS55

This fund is designed for people who:

  • want to retire in or before 2027
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances. 

Your suggested fund

Fund name: BlackRock LifePath Target Date 2030 D Acc GBP

Fund ISIN ref: GB00BRTCQ853

This fund is designed for people who:

  • want to retire in or before 2028-2032
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances.

Your suggested fund

Fund name: BlackRock LifePath Target Date 2035 D Acc GBP

Fund ISIN ref: GB00BRTCQB88

This fund is designed for people who:

  • want to retire in or before 2033-2037
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances. 

Your suggested fund

Fund name: BlackRock LifePath Target Date 2040 D Acc GBP

Fund ISIN ref: GB00BRTCQD03

This fund is designed for people who:

  • want to retire in or before 2038-2042
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances.

Your suggested fund

Fund name: BlackRock LifePath Target Date 2045 D Acc GBP

Fund ISIN ref: GB00BRTCQG34

This fund is designed for people who:

  • want to retire in or before 2043-2047
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances. 

Your suggested fund

Fund name: BlackRock LifePath Target Date 2050 D Acc GBP

Fund ISIN ref: GB00BRTCQJ64

This fund is designed for people who:

  • want to retire in or before 2048-2052
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances.

Your suggested fund

Fund name: BlackRock LifePath Target Date 2055  D Acc GBP

Fund ISIN ref: GB00BRTCQL86

This fund is designed for people who:

  • want to retire in or before 2053-2057
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances.

Your suggested fund

Fund name: BlackRock LifePath Target Date 2060 D Acc GBP

Fund ISIN ref: GB00BRTCQN01

This fund is designed for people who:

  • want to retire in or before 2058-2062
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances.

Your suggested fund

Fund name: BlackRock LifePath Target Date 2065 D Acc GBP

Fund ISIN ref: GB00BRTCQQ32

This fund is designed for people who:

  • want to retire in or before 2063-2067
  • don’t want to decide how to invest their pension savings
  • are happy with the risk profile of this fund.

See the fund risk profile in the Key Investor Information Document (KIID)).

View this fund in the Share Dealing Fund Centre and see:

  • past performance
  • fees and charges
  • how the fund is allocated

Remember: this is not a personal recommendation. This fund has been designed as a default option, and is not based on your personal circumstances.

3. Apply or log in to get started

New to Scottish Widows ?

Make sure you’ve read the SIPP key features document (PDF, 210KB) and terms and conditions (PDF, 313KB).

To apply, you must:

  • be age 18 to under 75
  • be a UK resident and UK taxpayer
  • not be a US person.
Apply for a SIPP

Already with us ?

  1. Make a note of the fund ISIN reference.
  2. Log on to Share Dealing.
  3. Select ‘Deal now’ on the right hand navigation.
Log in

Please remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. There will normally be a charge for that advice. Tax treatment depends on individual circumstances and may be subject to change in the future.

Managed by experts

We know not everyone wants to make decisions or do their own research about what to invest in, and would rather leave it to the experts.

The SIPP Start-Up Fund is managed by the BlackRock retirement solutions team, with over 30 years' experience in global retirement solutions. They manage your investments, aiming to make sure the level of risk is right for where you are on the road to retirement.

When retirement is a long way off, they may take appropriate risks to focus on growing your money. And when you’re closer to retirement, they’ll move your investments into lower risk options, to focus on protecting your money.

It’s not tailored to you

The SIPP Start-Up Fund is designed to help address issues that many people face as they prepare for retirement. It isn't tailored to your personal circumstances, or a substitute for financial advice.

It’s worth thinking about whether this fund is right for your needs, goals and values, or if other investment options might suit you better. You should also regularly review your investments, especially if your retirement plans change.

The Scottish Widows Self-Invested Personal Pension is provided by Embark Investment Services Limited, a company incorporated in England and Wales (company number 09955930) with its registered office at 33 Old Broad Street, London EC2N 1HZ. Embark Investment Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 737356).

Dealing and stockbroking administration services for the Scottish Widows SIPP are provided by Halifax Share Dealing Limited (HSDL), which is a wholly owned subsidiary of Embark Group Limited and part of Lloyds Banking Group. HSDL is a company incorporated in England and Wales (company number 3195646) with its registered office at: Trinity Road, Halifax, West Yorkshire, HX1 2RG. HSDL is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 183332). HSDL is a member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

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