Self Invested Pension (SIPPs)

A Self Invested Personal Pension or SIPP is a personal pension plan but with one very significant difference: administration is separate from investment content. What this means is the plan holder has freedom to choose and change the investments within the plan.

SIPPs have been around since 1990, but have risen rapidly in popularity since the mid nineties.

Types of SIPP

A SIPP must be set up with a recognised provider and professional trustee. The paperwork may be more extensive than an ordinary personal pension or stakeholder pension plan because each SIPP is unique to the individual. However, a number of packaged plans are also available to streamline the set up and running procedures.

What Can I Invest In?

Typically SIPP holders invest in:

• Individual Stocks and Shares
• Deposit Accounts
• Trustee Investment Bonds
• Fixed Interest Securities
• Unit Trusts
• Commercial Property

Commercial Property

One of the main attractions of a SIPP is that commercial property can be purchased by an individual or even by a group of people. SIPPs typically allow you to borrow up to 50% of the net value of the assets with your SIPP. Our Personal Financial Planners work closely with our Commercial Property solicitors who are delighted to provide expert advice and carry out discounted sales and purchases on behalf of our clients.

Contact Us

To make an appointment with one of our Personal Financial Planners either contact your local office, complete the contact form or call 0844 800 3614.