Self-Invested Personal Pension (SIPP)
SIPP for Women: Take Control of Your Pension Future
A Self-Invested Personal Pension (SIPP) puts you firmly in charge of your retirement. Unlike a workplace pension, a SIPP for women gives you control over how your money is invested, with the flexibility to contribute on your terms. Whether you’re employed, self-employed, or freelance, a SIPP is one of the most powerful tools for building the retirement you deserve.
At MoneyShe, we believe every woman should have access to a pension that works for her life. That’s why we’ve made SIPP investing straightforward, affordable, and genuinely rewarding.
What is a SIPP?
A SIPP is a personal pension where you choose how your contributions are invested. You have access to a wide range of investments — stocks, bonds, ETFs — rather than being limited to a handful of managed funds.
You contribute money (which qualifies for tax relief), it’s invested in your chosen assets, and any growth is tax-free until you start drawing on it in retirement. When you reach age 55 (rising to 57 from 2028), you can take 25% as a tax-free lump sum and access the rest as income.
Women retire with approximately 40% less pension than men — not because women are poorer savers, but because of career breaks, part-time work, caring responsibilities, and lower lifetime earnings. These factors compound over decades.
The empowering part: by opening a SIPP for women and maximising your contributions now, you can close that gap. If you’re self-employed or have sporadic income, a SIPP is particularly powerful — you contribute when you can, with no employer constraints.
Tax Relief: Free Money From the Government
Tax relief is one of the biggest advantages of a SIPP. As a basic rate taxpayer (20%), contribute £100 and you only pay £80 — the government adds £20. That’s an instant 25% boost.
Higher rate taxpayers (40%) can claim an additional 20% back through their tax return, making pension contributions one of the most efficient tax-planning tools available.
With a workplace pension, your employer picks the provider and investments. A SIPP gives you the choice. This matters if you want your pension to align with your values or if you want more control.
If you’re self-employed, you can’t have a workplace pension — a SIPP is designed for you. Many women use both: a workplace pension from employment and a SIPP for additional contributions or to consolidate old pensions.
How MoneyShe’s SIPP Works
Your contributions are invested in diversified ETF portfolios covering stocks and bonds across different regions and sectors. You choose your risk profile — cautious, balanced, or growth-focused — and we handle the rest.
Our fees are just 0.85% per year, well below the 2% industry average. Over a 30-year saving period, that difference compounds into meaningful additional wealth — potentially tens of thousands of pounds.
Your online dashboard gives you full transparency: what you’re invested in, how your pension is growing, and how you’re tracking toward retirement.
Hubwise Securities Ltd, is the SCM custodian for client money, and is responsible for holding all assets (including ETFs) on your behalf.
Hubwise Securities Ltd is a UK registered company (Number 06071374) and is authorised and regulated by the Financial Conduct Authority (Number 6071374). It has permission to hold client money, safeguard and administer (provide custody for) assets for professional and retail customers.
Hubwise Securities Ltd have insurance in place for Professional Indemnity and Crime as well as an agreement between Hubwise Securities Ltd and Hubwise Nominees Ltd to further strengthen asset security. They have no trading-book exposure as they only act as an agent to place aggregated deals with Fund Managers for collective investments and market counter-parties to place deals in securities.
Consolidating Your Pension Pots
Many women have pensions scattered across providers from previous jobs. Consolidating into a single SIPP for women with MoneyShe simplifies your admin, reduces costs, and unifies your investment strategy.
We handle the transfer admin for you. There are no tax implications, and your pension value stays the same — it simply moves into your MoneyShe SIPP. Note: if you have a defined benefit pension, seek independent financial advice before transferring.
Getting Started
Opening a SIPP for women with MoneyShe is simple:
Complete our application, choose your risk profile, then fund your SIPP with a lump sum, regular monthly contributions, or both. We’ll invest your money immediately according to your chosen strategy, and you’ll have full access to your online portal.
Tax relief is claimed automatically on personal contributions. If you’re self-employed, your accountant can help with the admin.
Important Risk Warning
The value of investments can go down as well as up, so you could get back less than you invest. Past performance is not a reliable indicator of future results. Capital at risk.
Pension investing is long-term. Short-term fluctuations are normal, but if you’re approaching retirement, you may wish to shift toward more conservative investments.
We’re an FCA-regulated firm (Firm Reference Number 497525). Before investing, please ensure you understand the risks. If you’re unsure, seek independent financial advice.