SIPP Start-Up Fund

With so many investment options, our Start-Up Fund is designed to help you meet your retirement goals if you are unsure where to invest.

 
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Investing for your retirement?

There are lots of ways to invest for your retirement, that's the benefit of a SIPP. We offer a wide range of options, including shares, funds, ETFs, investment trusts, bonds and gilts.

Our Start-Up Fund is an easy choice to help you build your portfolio if you’re not sure where to invest.

Find your Start-Up Fund

Please enter the information below, then use 'Show fund' to see
information based on your age and target retirement age.

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BlackRock LifePath Target Date Retirement D Acc GBP

Fund ISIN ref: GB00BRTCQS55

 

This fund is designed for people:

  • who wish to retire in or before 2027
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2030 D Acc GBP

Fund ISIN ref: GB00BRTCQ853

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2028 and 2032
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2035 D Acc GBP

Fund ISIN ref: GB00BRTCQB88

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2033 and 2037
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2040 D Acc GBP

Fund ISIN ref: GB00BRTCQD03

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2038 and 2042
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2045 D Acc GBP

Fund ISIN ref: GB00BRTCQG34

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2043 and 2047
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2050 D Acc GBP

Fund ISIN ref: GB00BRTCQJ64

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2048 and 2052
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2055 D Acc GBP

Fund ISIN ref: GB00BRTCQL86

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2053 and 2057
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2060 D Acc GBP

Fund ISIN ref: GB00BRTCQN01

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2058 and 2062
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

BlackRock LifePath Target Date 2065 D Acc GBP

Fund ISIN ref: GB00BRTCQQ32

 

This fund is designed for people:

  • who wish to retire in a year between (and including) 2063 and 2067
  • who are unsure about choosing their own pension investment fund
  • who are comfortable with the risk profile that the Start-Up Fund provides. (You can view more information about this in the Key Investor Information Document (KIID)).

 

This is not a personal recommendation.

You can read all about this specific fund in our investing 'research the market' page. If you'd prefer, you can manage your own investments and tailor them to your specific needs, by returning to explore our full range of investments.

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The SIPP Start-Up Fund explained

What is it?

Our SIPP Start-Up Fund is our standard pension investment option, designed to get you started to meet your retirement goals.

We know not everyone wants to make decisions on which investments or approach to choose, so by teaming up with BlackRock (a global name in investment asset management) we provide access to their Lifepath UK Target Date Fund (or TDF).

The investment is designed to simplify retirement investing by offering a one-stop solution for individuals looking to save for retirement.

  • Choose the best target date for when you plan to retire. (Not sure? Just add your age and retirement age into the selector).
  • We'll match you with an investment to suit your retirement date and provide key information such as past performance, charges and levels of risk in the KIID document.
     

The choice to invest is yours.

How does it work?

The Start-Up Fund is a convenient way to take charge of your retirement goals, with quick access to a diversified range of low-cost funds without the hassle of managing multiple investments.

The fund is managed by the BlackRock retirement solutions team, with over 30 years' experience in global retirement solutions. They align your investments, with the appropriate level of risk as you approach retirement - removing the hassle and the worry of making those adjustments yourself.

For example, taking appropriate risks to grow your money in earlier years. Then, as you approach retirement, reducing your allocation to riskier assets such as equities, but increasing allocation to lower risk assets such as bonds.

Pensions are a long-term investment. The benefits you receive depend on several factors including the value of your pot when you take your benefits. This isn't guaranteed and can go down as well as up. The value of your account could fall below the amount paid in.

 

Things to consider

The SIPP Start-Up Fund looks to address the challenges faced by many individuals in preparing for retirement. It has been designed for individual investors looking to invest for retirement. It caters to the UK Retail Retirement market, offering simple and intuitive pension solutions.

The fund isn't tailored to your personal circumstances, or a substitute for financial advice.

Your own needs, objectives and characteristics may be different so you'll need to carefully consider whether it's right for you or whether other investment options might be more appropriate. It's also important to review your chosen Investments regularly, especially if your retirement goals change.

Looking for more inspiration?

Here’s a few more starting points for building a diversified portfolio to help secure your financial future.

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Looking for more inspiration?

Here’s a few more starting points for building a diversified portfolio to help secure your financial future.

Select list of funds

A shortlist of funds independently chosen by FE fundinfo based on a set of criteria we provide.

View select list

ETF Quicklist

A shortlist of ETFs to help you create the basic building blocks of an investment portfolio.

ETF Quicklist

Research the market

View all our available investments and keep up to date with the latest market news.

View investments

Tax treatment depends on individual circumstances and may be subject to change in the future.

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Financial Services Compensation Scheme 

Investments with Bank of Scotland Share Dealing are protected up to a total of £85,000 by the Financial Services Compensation Scheme. This limit is applied to the aggregated total of any stock or cash held across the following brands which we administer.

This is in addition to any other savings deposits you may hold across Lloyds Banking Group.

Important legal information

Bank of Scotland Share Dealing Service is operated by Halifax Share Dealing Limited. Registered in England and Wales No. 3195646. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority under registration number 183332. A Member of the London Stock Exchange and an HM Revenue & Customs Approved ISA Manager.

Are you new to pensions?

The earlier you start saving into a pension, the better.
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Pensions home

Are you new to pensions?

The earlier you start saving into a pension, the better.
Take control of your retirement with a Bank of Scotland pension

Pensions home