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For UK savers evaluating Self-Invested Personal Pensions, a thorough Interactive Investor SIPP Review is a must-read. Known for its flat-fee pricing, wide investment range, and strong platform support, Interactive Investor (Interactive Investor) has earned praise and positioning as one of the UK’s top SIPP providers. But how does it stack up in 2025? Here’s a comprehensive breakdown.
1. FCA Status and General Overview
Interactive Investor Services Ltd (FRN 189627) is regulated by the Financial Conduct Authority. As UK investors’ second-largest flat-fee investment platform, Interactive Investor manages over £59 billion across approximately 450,000 customers. The Interactive Investor SIPP Review confirms that Interactive Investor is a well-established and secure choice for SIPP investors.
2. Pricing: Flat Monthly Fees
A key feature of this Interactive Investor SIPP Reviewis Interactive Investor’s transparent flat-fee model:
- Pension Essentials Plan: £5.99/month for SIPP pots up to £50k
- Pension Builder Plan: £12.99/month for pots above £50k
These fees are capped, meaning Interactive Investor’s SIPP remains cost-effective even as your pension grows, unlike percentage-based fees used by many providers. That’s the main highlight of any sound Interactive Investor SIPP Review.
Also Read: Hargreaves Lansdown Self Invested Personal Pension Review
3. Additional Account Options
Interactive Investor offers bundled pricing with its ISA and Trading Account:
- Investor Essentials + SIPP: £9.99/month (up to £75k)
- Investor + SIPP: £21.99/month for unlimited holdings.
These bundles provide flexibility and value for investors managing multiple account types with Interactive Investor.
4. Investment Range & Platform Tools
This Interactive Investor SIPP Review emphasizes Interactive Investor’s strong offering:
- Access to 40,000+ UK and global investments, including shares, funds, ETFs, bonds, and investment trusts.
- Powerful research tools, the Interactive Investor “ACE 40” and “Super 60” fund lists, and educational analysis.
- Both web and mobile platforms with UK-based support and secure two-factor authentication.
For DIY investors, this breadth is a huge plus highlighted frequently in Interactive Investor-focused reviews.
Also Read: AJ Bell Self Invested Personal Pension Review
5. Trading fees & Regular Investing
In the Interactive Investor SIPP Review, note these cost details:
- Standard dealing fee: £3.99 per trade.
- Free regular monthly investingincluded in all plans.
- International trading and FX fees may apply, so check specifics on global investments.
These features enhance the appeal of Interactive Investor for investors seeking consistent, low-cost investing.
6. Performance & Value in Comparison
Independent reviews like Forbes (2025) score Interactive Investor highly for its flat-fee model and value. This reports also include Interactive Investor among recommended platforms for cost-conscious investors.
In summary, Interactive Investor is frequently recommended for larger portfolios, especially compared to percentage-based SIPP providers.
Also Read: Moneyfarm Self Invested Personal Pension Review
7. Ideal Investor Profile
This Interactive Investor SIPP Review suggests Interactive Investor is best suited for:
- Investors with medium-to-large pension pots, likely over £50k
- Those who prefer DIY portfolio construction and active rebalancing
- Savvy users who value research tools and educational materials
It may be less suitable for very small pension pots, as flat rates could outweigh percentage fees in absolute terms.
8. Promotions and Special Offers
Interactive Investor often runs introductory incentives, such as £100 – £2,000 cashback when you switch pensions or fund a new SIPP with a minimum deposit (e.g., £10k). These offers can add short-term value but shouldn’t drive decisions without understanding long-term fees.
9. Platform Critiques and Limitations
As part of any honest Interactive Investor SIPP Review, these caveats apply:
- Not cost-effective for small pension pots(<£15k) due to flat fees;
- No fractional shares supported, which may limit diversification flexibility.
- International trading fees may chip into returns; investors must plan for FX charges carefully.
Despite these limitations, many consider it worthwhile for larger portfolios with regular activity.
Also Read: Aviva Self Invested Personal Pension Review
10. Interactive Investor SIPP Review – Summary
Pros: Simple flat-fee pricing, extensive investment selection, bundles with ISA/Trading, regular investing free
Cons: Flat fees may disadvantage small portfolios; lack of fractional shares and possible FX costs
Best For: Proactive DIY investors with £50k+ in a pension and interest in research tools
Overall, the Interactive Investor SIPP Review concludes Interactive Investor is a top-tier choice if you’re looking for value, choice, and a mature platform, particularly if your pension is substantial enough to make the flat-fee model advantageous.
FCA Disclaimer
This article is for educational purposes only and does not constitute financial advice. Interactive Investor Services Ltd is authorised and regulated by the FCA (FRN 189627). Pension rules and tax treatment may vary based on individual circumstances. Past performance is nota reliable indicator of future returns. Please check the FCA Financial Services Register and seek advice from a qualified, authorised financial adviser before making personal investment decisions.
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