SELF-INVESTED PENSION PLAN

What is a self-Invested pension plan?

A self-invested personal pension (SIPP) is a pension ‘wrapper’ that holds investments until you retire and start to draw a retirement income. It is a type of personal pension and parts of it work in a similar way to a standard personal pension.

Make the most of our self-Investment

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

Investment is allowed in a number of assets and asset classes including equities, Unit Trusts, gilts and commercial property.

Saving in a tax-efficient manner towards your pension is always desirable and SIPPs make this possible. They also offer the added benefit of giving you greater flexibility to make your own financial choices.

This flexibility allows you to spread the risk, especially if some investments perform badly.

However, these do tend to have higher costs than a standard pension. Active management is essential to maximise the benefits of the wider investment choice on offer.

Because of this, they will not be suitable for everybody and generally only those who have a good amount of experience in actively managing their investment should consider this type of investment.

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.

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I have known her as our family Financial Adviser for about 10 years. She has always put my interests first and given sound advice. I found her to be pleasant and trustworthy. Her service and support has always been exceptional. I get great pleasure in recommending her to anyone.
Thurairatnam Kathirgamakarthigeyan
Retired Eye Surgeon
Andrea has been wonderful, and I feel confident in discussing my financial matters with her as I know she will treat my affairs confidentially. She has always been there whenever I needed - literally with a click of a button and the support, she provides is extraordinary. She has gone out of the way to help me on a few occasions. I will not hesitate to recommend her to anyone.
Sandy Shiralkar
Consultant Vascular Surgeon
Andrea has provided us with exceptional service and advice. We feel that Andrea has listened to what we want and need and has helped us to build a robust retirement plan. We would recommend Andrea to our friends and family.
Claire Richards
Manager

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