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Other types of Pensions

Self-Invested Personal Pensions (SIPPs)

The pensions industry has become considerably more sophisticated over recent years, both in the flexibility of investments available and the structure of pension arrangements themselves. This is an area of continual change, so we recommend reviewing your pension provision regularly to keep your retirement plans on track.

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A SIPP is a tax-efficient wrapper that lets you hold a much wider range of investments than a conventional personal pension, while offering the same tax benefits and eligibility rules. Every SIPP is unique to the individual holding it, and a scheme administrator (usually the product provider) must be appointed.

Because of this added flexibility, SIPPs aren’t right for everyone. They tend to suit people with larger funds and a reasonable degree of investment sophistication — additional charges for arranging and managing a SIPP can quickly erode the value of smaller pots.

The benefits of using a SIPP include being able to invest in:
  • Stocks and shares listed or dealt on an Inland Revenue recognised stock exchange, including AIM
  • Stock exchanges that are not recognised by HMRC
  • Unit trusts, Open Ended Investment Companies (OEICs)
  • Warrants, covered warrants
  • Government stock and fixed interest stock
  • Unquoted shares
  • Commercial property
  • Property funds.  We will be able to provide more details and make a recommendation based on your circumstances.

Important note:

Pensions are a long-term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change, therefore the tax treatment of pension benefits can and may change in the future.

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Routledge Financial Ltd is registered in England and Wales no. 9963547. Registered office, The Old Casino, 28 Fourth Avenue, Hove, East Sussex, BN3 2PJ.

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Routledge Financial Ltd is registered in England and Wales no. 9963547. Registered office, The Old Casino, 28 Fourth Avenue, Hove, East Sussex, BN3 2PJ.

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