Self-Invested Pension Plans

Self-Invested Pension Plans (SIPPs) give you a much wider range of investment opportunities than those available through most traditional pension plans.

With a SIPP, you can invest in various assets and asset classes, including equities, Unit Trusts, gilts and commercial property*.

Like all pensions, a SIPP is a tax-efficient way to save towards your retirement. What SIPPs also give you is more flexibility in your financial choices.

This flexibility means you can spread your risks, especially if your investments experience periods of volatility.

However, SIPPs do tend to have higher costs than standard pensions. It’s important that a SIPP is actively managed. This will help maximise the advantages of your investment choices.

Because of this, SIPPs won’t be suitable for everybody. Generally they should only be considered if you have plenty of experience actively managing your investments.

The investment growth within the fund is currently free from all UK Income Tax and Capital Gains Taxes.

The value of a SIPP can fall as well as rise. You may get back less than the amount initially invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

*There are strict rules on what property can be held and how