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Image source: Getty Images <\/p>\n Image source: Getty Images <\/p>\n
Building a million-pound Self-Invested Personal Pension (SIPP) is a goal shared by many UK investors. Reaching this coveted threshold is a multi-decade journey that requires immense patience and discipline, especially during periods of higher market volatility. But the good news is, once you\u2019ve built the first \u00a3100k, things get a lot easier.<\/p>\n
Here\u2019s why.<\/p>\n
Let\u2019s say someone\u2019s putting aside \u00a310,000 a year to invest in their SIPP. After receiving 20% tax relief from the government, that automatically gets topped up to \u00a312,500 of investable capital. And investing this money at the stock market\u2019s 8% average annualised return, a brand-new retirement portfolio would reach seven figures in just over 25 years.<\/p>\n
The first six years of this journey are spent just trying to reach \u00a3100,000. But once a portfolio enters six-figure territory, compounding really starts working its magic.<\/p>\n
After 10 years of consistently investing and staying disciplined, a SIPP would have grown to \u00a3190,557 \u2013 almost \u00a3200k. What\u2019s exciting is that the second \u00a3100,000 only took around four years to achieve instead of six.<\/p>\n
After 20 years, the SIPP is now worth \u00a3613,524. While only \u00a3190k was made in the first decade, during the second, close to \u00a3423,000 of wealth was unlocked. And with just another five years of staying focused and disciplined, the retirement portfolio will be on the verge of crossing over into millionaire-territory at \u00a3990,590.<\/p>\n
Please note that tax treatment depends on the individual circumstances of each client and may be subject to change in future. The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of tax advice. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions.<\/p>\n
Just last year, the FTSE 100 vastly outperformed its average. But when looking across the 2010s, the UK\u2019s flagship index struggled to deliver close to 6% a year. And while a 2% difference may not seem like much, it actually adds close to five years to reaching millionaire status.<\/p>\n
So rather than relying on index funds, investors can decide to invest directly into only the best and brightest of businesses. While this involves taking on more risk, it also opens the door to potentially market-beating returns, slicing years off the timeline.<\/p>\n
So which stocks should investors consider buying in 2026?<\/p>\n
Of all the FTSE 100 shares in 2026, Rightmove (LSE:RMV) currently stands out as one of the most structurally compelling, in my opinion.<\/p>\n
It\u2019s the UK\u2019s most dominant online property portal by a large margin. And Rightmove is still seeing continually higher spending on its platform through both organic demand and the firm exercising its pricing power.<\/p>\n
Yet, the stock\u2019s down almost 40% in the last 12 months.<\/p>\n
This downward trajectory stems as a result of management cutting its medium-term profit growth expectations, in favour of some aggressive AI spending to improve its platform\u2019s technical capabilities.<\/p>\n
Profit warnings are rarely met with enthusiasm. So it isn\u2019t surprising to see the negative reaction. But given the firm is projecting a return to double-digitid operating profit growth by 2030, it seems investors are being overly focused on the near-term performance and ignoring its long-term expansion potential.<\/p>\n
To be fair, there are some justified reasons for caution. Competition is heating up, and the AI investments aren\u2019t guaranteed to meet expectations. But with Rightmove shares now trading at their lowest point in almost a decade, it\u2019s a risk I\u2019m seriously considering taking with my own SIPP. And it\u2019s not the only opportunity I\u2019ve spotted\u2026<\/p>\n
The post Why building a million-pound SIPP gets easier after \u00a3100k<\/a> appeared first on The Motley Fool UK<\/a>.<\/p>\n More reading<\/p>\n Zaven Boyrazian has no position in any of the shares mentioned. The Motley Fool UK has recommended Rightmove Plc. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.<\/a><\/p>\n Motley Fool UK 2026<\/p>\n","protected":false},"excerpt":{"rendered":"Image source: Getty Images Building a million-pound Self-Invested Personal Pension (SIPP) is a goal shared by many UK…\n","protected":false},"author":2,"featured_media":6398,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[4],"tags":[1269,3457,3458,3456,5,6],"class_list":["post-6397","post","type-post","status-publish","format-standard","has-post-thumbnail","category-uk","tag-market-volatility","tag-retirement-portfolio","tag-rightmove","tag-sipp","tag-uk","tag-united-kingdom"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@UnitedKingdom\/116350849005787372","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts\/6397","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/comments?post=6397"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts\/6397\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/media\/6398"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/media?parent=6397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/categories?post=6397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/tags?post=6397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}