Self-invested Pension Plans

A Self-Invested Pension Plan (SIPP) allows you to tailor, monitor and control the investments that make up your pension plan. It can include a mix of cash, shares, gilts, bonds, hedge funds, private equity, alternative investments (including futures, options and investment funds) and commercial property. You can choose your own investments, or appoint an investment manager to look after your portfolio on your behalf.

A SIPP can offer you a number of benefits:

  • Lets you manage how your pension monies are invested
  • Gives you access to the best fund managers
  • Greatly expands the range of funds you can choose from
  • Enables you to switch into cash at any time
  • Allows you to consolidate all your private pensions into a single scheme making them easier to administer and manage
  • Make the most of new investment opportunities as they arise

If you’ve accumulated a large pension fund or can make significant cash injections, you may be able to use a SIPP to buy your own business premises. Such investments are free of both inheritance and capital gains tax, whilst the rental income is paid directly into the SIPP. You can also make borrowings of up to 50% of the pension fund value, with the rental income being used to repay the loan. Plus, a SIPP provides protection against insolvency, since the pension scheme owns the property, not you.

A SIPP will normally involve higher charges than a standard Personal Pension but does offer greater investment choice, flexibility and active management. You can transfer your existing personal pensions into a SIPP, which we will be happy to arrange, if appropriate for your particular circumstances.

If you're considering a SIPP, now's the time to contact us.

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