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SIPP

What is a SIPP?

A Self Invested Personal Pension (SIPP) is a Registered Pension scheme under the terms of the Finance Act 2004.

SIPPs are designed for investors who want maximum control over their pension without being dependent on any one fund manager or insurance company. As such, a SIPP requires active management and a degree of investment expertise. Furthermore, the charges (levied by the SIPP manager) may be higher than for a personal pension or stakeholder plan.

Unlike a standard personal pension, a SIPP holder has a much wider choice of assets to invest in, each of which can be selected to meet the individual's personal circumstances and requirements.

Investments which can be held in a SIPP include:

  • UK and overseas equities
  • Unlisted shares
  • OEICs and unit trusts
  • Investment trusts
  • Property and land (but not most residential property) insurance bonds

It’s possible to use a SIPP to raise a mortgage to fund the purchase of commercial property, where the rental income paid into the SIPP either completely, or partially covers, the mortgage repayments and/or the property’s running costs.

Please note SIPPs are not suitable for everyone investing into a pension, we will conduct an assessment of your situation to determine suitability.

A PENSION IS A LONG TERM INVESTMENT, THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

INFORMATION IS BASED ON OUR CURRENT UNDERSTANDING OF TAXATION LEGISLATION AND REGULATIONS. ANY LEVELS AND BASES OF, AND RELIEFS FROM TAXATION, ARE SUBJECT TO CHANGE.

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About Us

Based in Melton Mowbray, Mill Lane Asset Management is a trading style of Active Financial Partners Limited, which is part of the Harwood Wealth Management Group Ltd. The Group is based in Waterlooville, Hampshire and currently has more than 80 financial advisers who through regional offices provide financial planning and wealth management advice to retail investment clients, as well as...

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Melton Mowbray Office

  • Mill Lane Asset Management

    20 Norman Way

    Melton Mowbray

    Leicestershire

    LE13 1JE

  • Phone : 01664 483124

  • Email : Enquiries@MillLane.com

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Mill Lane Asset Management is a trading style of Active Financial Partners Limited which is authorised and regulated by the Financial Conduct Authority.

Registered in England No.04266233 ---- Registered & Head Office: 5 Lancer House, Hussar Court, Westside View, Waterlooville, Hampshire PO7 7SE.

Active Financial Partners Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 301860.

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