Self-invested pensions - SIPP & SSAS

Pension policies have become much more flexible in recent years, but where a client wants to access specialist or bespoke investments, more sophisticated arrangements are required.

Self-Invested Personal Pensions (SIPP) and Small Self-Administered Schemes (SSAS) are pension arrangements that allow the members much greater control over the investments held in the plan. They are often used to help individuals or owner-managers buy commercial property using their pension fund, which can be highly tax-efficient and an excellent way of bringing additional financial resources to a company, but they can do far more.

SIPPs and SSASs can invest in shares, collective investments (unit and investment trusts, OEICS, exchange traded funds), cash, gilts, commercial property, certain forms of land, and on to more sophisticated assets such as structured/guaranteed products, commodities, milk quotas and futures.

If you would be interested in discussing the options available, whether a SIPP or SSAS would be appropriate for you, and how you could use your pension fund to access a much wider range of investment options, please contact us.