> Confusingly there's also something that people call a "full SIPP", which is a much more expensive but less-retaily SIPP that can be used to invest in things l

> Confusingly there's also something that people call a "full SIPP", which is a much more expensive but less-retaily SIPP that can be used to invest in things like leveraged commercial property. If REITS are what you're referring to then I'm fairly certain a full SIPP is more analogous to a 401k. You can open a 401k today, on your own, without a business. They're just optimized for pre-tax so it makes sense that they're tied to work. Employer matching varies wildly. There is no predefined contribution that can be made by vendors, I believe the 401k limits are all federally mandated, but that mostly has to do with tax optimization.