Apt Financial Management

Self Invested Personal Pensions (SIPPs)

While most traditional pensions limit investment choice to a number of ‘in-house’ funds run by the pension company's own fund managers, a SIPP allows you more choice and control over where you can invest your money.

PAUL TOON - Independent Financial Advisor

Paul ToonSIPPs are designed for people who want to manage their own fund by dealing with, and switching, their investments when they choose. They may have higher charges than other personal pensions or stakeholder pensions. For these reasons, they are more suitable for large funds and for people who are experienced with investing

The self-invested personal pension (SIPP) is a pension wrapper that holds investments until you retire and start to draw a pension income.

When you wish to withdraw the funds from your SIPP between the ages of 55 and 75, you can normally take up to 25% of your fund as a tax free lump sum. The remainder is then used to provide you with a taxable income.

It is also possible to invest in commercial property and business owners can use a SIPP to purchase their business premise with attractive tax benefits.

The tax benefits of a SIPP are significant - a £1,000 investment costs you just £800. If you’re a higher rate tax payer, the tax benefits could be even greater. In the above example you could claim back as much as a further £200 via your tax return.

Why invest in a SIPP?

  • Require complete control of your investments
  • Have a fund of £100,000 +
  • Require the widest possible investment choice
  • Want to purchase Commercial Property

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.


Apt Financial Management, 4 The Willows, Hulland Ward, Ashbourne, Derbyshire DE6 3EW
Phone: 01335 370 515