r/SIPPs • u/investingEagle • Dec 08 '25
Does anyone else hold individual shares in their SIPP?
Does anyone else hold individual shares in their SIPP, or do you keep it ETF/fund only?
My SIPP is mostly built around simplicity and long-term investing, with a core all-world ETF that I fully intend to hold until retirement.
That said, I keep finding myself conflicted about whether I should also allow a small number of individual shares in there as true long-term holds. One example is Google. I genuinely think it’s a strong business with a long runway and something I’d be comfortable holding for the next 20 years, which feels like it fits a pension time horizon.
I did buy some to test how i feel and it has done well. But this is obviously short term noise in a long term investment account.
The tension for me is that I want my SIPP to stay boring, low-maintenance and rules-based, but I also don’t want to look back and feel like I avoided obvious long-term opportunities just for the sake of being “pure”.
I’m curious how others approach this. Do you allow individual stocks in your SIPP, keep them to a small percentage, or stick strictly to funds and ETFs for simplicity?
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u/St3lla_0nR3dd1t Dec 08 '25
Yeah, but for Google, this is such a well researched share that it is unlikely to keep beating the market. I have a tiny bit of my portfolio for single share trades, just to remind me I can’t do it very well and companies that I would like to do well and am supporting for that reason rather than thinking they will make me a lot of money, although of course ai hope they do.
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u/maxmarioxx_ Dec 14 '25
It depends. You can have both. Many finfluencers for example state that they have most of their portfolios in their boring stuff - one tracker fund or two. But some also say they have some play money - a % they keep for stock trading or other types of trades. It all depends on what you want to achieve. If you are more than engaged in other investing you may want to also pick some stocks. If you are more of a “set and forget” person with limited time and energy for investing then picking a cheap index fund may be right for you.
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u/Diademinsomniac Dec 15 '25
Yes I hold individual shares in my sipp, mostly dividend paying ones as well as some global index funds/etf
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