SAYE vs SIP:
the definitive comparison
Exclusive analysis: twenty years of data on which plan works for which company. Download below.
Most companies choose between SAYE and SIP on precedent, or a rough sense of which suits them. We wanted to know what the data actually says. Working with FIT, we modelled twenty years of real market data to compare the two plans across four company types, on outcomes, cost and engagement. In our report, SAYE vs SIP: the definitive comparison, you'll find:
Employee outcomes
How SAYE and SIP returns compare across mature, established, high-growth and higher-volatility companies, and why the stronger plan changes with company type.
Cost and dilution
The trade-off at the heart of the employer's decision: SAYE is cheaper to account for, SIP is lighter on dilution, and knowing which constraint binds hardest often decides the plan.
Engagement
What twenty years of data reveals about participation, and the two very different ways SAYE and SIP hold employees' attention after they join.
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