Top up workplace DC pension or start SIPP?

[Palavah]

Just that really.

I have one DC workplace pension and no SIPPs. I want to put a lump sum of £10-20k into my pension but am not sure whether I should do this within my employer scheme or start a SIPP.

I'm already contributing enough to maximise my employer contribution to the DC plan.

I've checked the charges and the investment strategy I'm in only incurs fund charges, TERs ranging from 0.045 - 0.125%.

I would look to have my SIPP and S+D ISAs on the same platform.

At present I see the benefit in having my pension all in one place, but what else should I consider?

I have S+S ISAs but very simply invested and would like to be more proactive. I don't think I'll be stock picking for anything more than play money, though.

I'm 38 in case that makes a difference.

S+S ISA not S+D!

Bump?

I have one DC workplace pension and no SIPPs. I want to put a lump sum of £10-20k into my pension but am not sure whether I should do this within my employer scheme or start a SIPP.

It's probably about the same regardless of the wrapper. So I would be looking at fees and fund selection. I would also make sure that the contribution would not exceeded the Annual Allowance and if it did then I would split it between this tax year and next tax year.

I've checked the charges and the investment strategy I'm in only incurs fund charges, TERs ranging from 0.045 - 0.125%.

Those are pretty low. In a SIPP you may find that the SIPP platform charges 0.15% and the fund within it may have an AMC of 0.22%. Of course it depends on the fund selected.

I would look to have my SIPP and S+S ISAs on the same platform.
Can be a good idea to benefit from any fee cap, though that may not kick in until you have £250,000 invested across your wrappers.

At present I see the benefit in having my pension all in one place, but what else should I consider?
Drawdown fees.

I have S+S ISAs but very simply invested and would like to be more proactive. I don't think I'll be stock picking for anything more than play money, though.
Personally I would not stock pick at all. However you can do what you like, especially if it is just with a little play money not your entire investment.