Don’t forget the SIPP becomes subject to IHT from April 2027. Gets even worse after age 75
The "Double Tax" Risk After Age 75Dying at age 75 or older after April 2027 creates a heavy tax burden:Inheritance Tax (IHT): The estate pays 40% tax on the pension value that sits above the standard tax-free threshold (usually £325,000).Income Tax: Beneficiaries must also pay Income Tax at their personal rate (up to 45%) when they withdraw the money from the inherited pension.Combined Impact: The total tax taken by the government can exceed 60% of the pension's original value because both taxes apply.
You know it makes sense! 
