Self-Invested Pension Plan

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Through Retirement Annuity Contracts, more commonly referred to as Self-Invested Pension Plans (SIPPs), we can help you take control of your pension arrangements.

A SIPP will typically offer a greater range of investment options than those available through traditional pension plans. Investment choice is much broader in scope, allowing investment opportunities in a wide range of assets and asset classes including equities, unit trusts, gilts and commercial property. A SIPP may also make commercial loans.

Saving in a tax efficient manner towards your pension is always desirable and SIPPs make this possible, along with the added benefit of flexibility.

This increased range of investment opportunities allows you to spread the risk, especially if some investments under-perform. However, SIPPs tend to have higher costs than a standard pension and active management is important to take advantage of the benefits of the wider range of investment’s on offer.

SIPPs are not suitable for everybody and typically only those who are experienced at actively managing their investments should consider this type of pension plan. For more information please contact us.

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

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