Employers can choose to pay into a SIPP, but many won’t. Businesses have to set up workplace schemes under auto-enrolment laws, so many companies prefer to contribute to these instead. If you have a workplace pension, make sure to check whether your company offers any matching. This is when they pay extra money into your pension when you do. If matching is an option, you are likely to be better off increasing contributions rather than opening a SIPP for your money.