Ask for a friend, who is expecting hard times soon. My friend is not computer literate, and I know nothing of benefits.

The best information that I can find is How do savings and lump sum pay-outs affect benefits?, which says

Some benefits are affected by the amount of money you have in savings, such as cash in a savings account, or investments in shares. These benefits are called means-tested benefits.

It has a link What counts as savings?, which says

Savings are counted as any money you can get hold of relatively easily, or financial products that can be sold on. These include:

• cash and money in bank or building society accounts, including current accounts that don’t pay interest
• National Savings and Investments savings account and Premium Bonds
• stocks and shares
• property, which is not your main home.

And, that is where I am unsure. It does not explicitly mention SIPP or ISA, and I do not know if one can get money from them "relatively easily" (although they do hold stocks & shares).

Can anyone point me at a (preferably UK government) site that explicitly says whether SIPP / ISA will be considered when someone claims UK benefits (especially housing, job seeker, low income)?

I am ask for a friend, who is expecting hard times soon. My friend is not computer literate, and I know nothing of the UK benefits system.

The best information I can find is How do savings and lump sum pay-outs affect benefits?, which says

Some benefits are affected by the amount of money you have in savings, such as cash in a savings account, or investments in shares. These benefits are called means-tested benefits.

It has a link What counts as savings?, which says

Savings are counted as any money you can get hold of relatively easily, or financial products that can be sold on. These include:

• cash and money in bank or building society accounts, including current accounts that don’t pay interest
• National Savings and Investments savings account and Premium Bonds
• stocks and shares
• property, which is not your main home.

And, that is where I am unsure. It does not explicitly mention "SIPP" or "ISA", and I don't know if one can get money from them "relatively easily" (although they can hold stocks & shares).

Can anyone point me at a (preferably UK government) site that explicitly says whether SIPP / ISA will be considered when someone claims UK benefits (especially housing, job seeker, low income)?