Most well-liked SIPP investments

According to the evidence, do-it-yourself pension investors are trying to balance stability with a few specific growth prospects

We examine the most well-liked SIPP investments available at the moment.

Money. Money. Money. All three of the top-ranked funds among Fidelity SIPP investors in April were cash funds. The type of money that investors pour money into when they're unsure of their course.

In addition, there has been a great deal of anxiety about a hurricane developing because of the extremely high tariffs and trade wars coming from the United States in April, which have shook stock markets all over the world.

Fidelity International associate director Ed Monk states: "SIPP investors continue to place a high value on stability, with funds such as the Legal and General Cash Trust and the Royal London Short Term Money Market Fund holding significant positions.

Because of their capacity to provide liquidity and preserve capital, these cash and money market funds are sought after during uncertain times.

This is consistent with recent Fidelity research that indicates a clear shift toward caution, with 41% of investors now characterizing their market outlook as pessimistic, up from 24% in February.

At the same time, even SIPP investors who did not choose cash funds withdrew to cash-like safety, with GCP Infrastructure Investments and International Public Partnerships placing first and second, respectively, on the investment trust chart for the period.

"The popularity of infrastructure trusts and cash funds indicates a clear preference for defensive strategies in uncertain markets," Monk says.

Gold is another old favorite during difficult times. Since the Ninety-One Global Gold Fund rose to the top of SIPP investors' holdings in April, gold's performance in 2025 has demonstrated its worth as a safe haven.

According to Fidelity's research, 28% of investors now view gold as a significant opportunity, which further supports this. According to Monk, "the increasing interest in gold reflects the broader trend of investors looking for assets that can provide both safety and long-term value."

Nonetheless, SIPP investors are managing to balance stability with targeted expansion prospects. Global equities and index funds competed in the top 10, demonstrating investors' continued desire for diversification, despite being less well-liked than cash and infrastructure funds.

"We're seeing selective interest in growth sectors, with funds like the Fidelity Index World Fund and Allianz Technology Trust attracting attention, showing that there's still room for optimism in certain areas of the market," Monk says.

Lastly, the fact that Scottish Mortgage Investment Trust has returned to the top of the rankings indicates that some investors are cautiously reentering the growth market.

However, Monk says that's happening while keeping a close eye on how to balance these exposures with more defensive holdings in other places.

Most well-liked SIPP investments.

Fidelity International Personal Investing Platform Net SIPP sales 01.04 is the source. 25-29 points 04. 25. .

Additional fund suggestions for your SIPP.

We are now one month into the new tax year, which is an excellent opportunity to review whether your SIPP is truly doing its best job for you.

Emma Wall, the head of platform investments at wealth firm Hargreaves Lansdown, advises choosing investments for your SIPP based first on where you are in your pension investment journey.

"You want to optimize your risk-return profile after decades of retirement. ensuring that higher risk assets, like stocks, make up the majority of your portfolio. These may have more price volatility, but you can afford a few setbacks when you're building up your pension fund, she says.

Wall suggests combining a few funds to increase diversification.

She enjoys the Legal & General Future World ESG Tilted and Optimised Developed Index, to start. It invests in about 1,400 businesses worldwide, concentrating on industries like finance, technology, and pharmaceuticals.

According to Wall, the fund invests in developed markets, with the US accounting for 70% of its weighting, followed by the UK, Japan, Canada, Europe, and Australia.

It is passive and leans toward businesses that exhibit sound governance, social, and environmental practices; some industries are excluded, such as those that produce tobacco and weapons.

Wall advises, "To maximize growth potential, blend this with Schroder Asian Alpha Plus, an actively managed fund of premium companies operating within Asia."

It would make sense for retired clients using their SIPP in drawdown or for investors who are further along in their SIPP journey to have an income option.

With a smaller portion of the fund invested in shares, Wall favors Ninety One Diversified Income, which focuses on generating income primarily through bond investments.

According to Wall, "a total return fund like this one could be a sensible choice given market volatility is likely to continue with a number of challenges facing the global economy."

In addition to paying an income, the fund seeks to minimize losses in the event of market declines, which, as Wall notes, "means there's less to make up when they rise."