Self invested pension plans

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A Self-Invested Pension Plan (SIPP) allows you to customise, monitor, and manage the investments within your pension plan. It can encompass a diverse mix of assets, including cash, shares, gilts, bonds, and commercial property. You have the freedom to select your investments or opt for an investment manager to oversee your portfolio.

For those with substantial pension funds or the ability to make significant cash injections, a SIPP offers the opportunity to purchase business premises. Such investments are exempt from both inheritance and capital gain taxes, and rental income is directed into the SIPP. The option to borrow up to 50% of the pension fund value is available, with rental income used to repay the loan. Additionally, a SIPP provides insolvency protection as the property is owned by the pension scheme, not by you.

While a SIPP may involve higher charges compared to a standard Personal Pension, it offers enhanced investment choice, flexibility, and active management. If suitable for your circumstances, you can transfer your existing personal pensions into a SIPP, a service we will be delighted to arrange.

If a SIPP is on your radar, now is an ideal time to contact us. We are here to provide the guidance and support you need to explore the benefits and opportunities offered by a Self-Invested Pension Plan.

Client Reviews

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Liam Starley

APFS Chartered Financial Planner

Scott Moorhouse

Senior Financial Advisor