Self Invested Personal Pension (SIPP)


Investments in SIPPs grow free from Income Tax and Capital Gains Tax.

You also get tax relief on your pension contributions.

Any money you invest in your SIPP will be topped up by 20% by the taxman, and higher or additional-rate taxpayers can claim back a further 20% or 25% respectively.

Tax relief is limited by your annual earnings and the pension annual allowance.

 

Children and people who don’t pay tax can also make pension contributions of up to £2,880 a year.

With basic-rate tax relief this will make a total contribution of £3,600 a year into the SIPP or other pension.

 

We work with a number of SIPP Trustees that provide our clients with a non-complex, cost effective and professional service. As a result you can take comfort that the vast array of products available to invest in within your Tax Efficient Wrapper.

 

Please note whilst we endeavour to keep the details provided on this site up to date, HMRC make changes to the rules from time to time which may not be immediately relfected herein. You should therefore check the details with HMRC or put in a request with a member of the Marshall Sterling team by phone or using the form on our contact page.

 

With your SIPP you are able to invest within:

 
 Cash
 UK and Foreign Equities
 CFDs
 Gilts
 Corporate Bonds
 Unit Trusts*
 Investment Trusts*
 Hedge Funds
 Commercial Property
 Futures
 Options
 Commodities such as Gold
   
Key Benefits:
 
 Contributions to pensions automatically receive tax relief
 Higher rate tax payers can claim tax relief
 Capital Gains Tax Exempt providing enhanced growth opportunities
 Assets held within the growth stage are free of Inheritance Tax (IHT)
 Start taking benefits anytime after the age of 55 with the ability to draw up 25% in one lump sum
 The ability to Carry Forward your Investment Allowance
 No requirement to buy an annuity
 Freedom of choice in selection of products
 Flexibility within the Pension to change investments at your discretion
 Transparency and Liquidity to view and change the investments held on your Platform
   
Please ask a member of our team for information regarding current contribution rates.

SIPPs are not suitable for everyone. If you don’t want to invest across different asset classes or don’t think you will make use of the investment choices that SIPPs give you then a SIPP might not be right for you. Please contact us for guidance or advice if you are unsure whether a SIPP is right for you.
Please note Marshall Sterling does not offer advise on Pensions.
   

 

 

Other Information
  • Marshall Sterling Investment Management
  • 14 Hanover Street
  • Hanover Square
  • Mayfair, London, W1S 1YH
  • T: +44(0)845 86 23456
  • E: Info@MarshallSterling.co.uk

© Copyright 2018, Marshall Sterling Investment Management Limited

Authorised and Regulated by the Financial Conduct Authority [FRN: 646917]