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SIPP Investment

SIPP Investment allows the trustees to literally become their own fund managers and have the facility to invest outside the normal insured contracts within a pension wrapper which includes shares and property.

We over advice on all types of SIPP Investments and have been advising in this area for over a decade. We will work with you in ensuring the SIPP Investment is appropriate in meeting your desired objective, we want a long term relationship and want to be with you past retirement.

Since April 2006, any investment that is deemed to be a commercial investment will be allowed. This means that SIPPs are allowed to invest in most assets including the following.

  • Stocks and shares listed or dealt on an Inland Revenue recognised stock exchange, including AIM
  • Stock exchanges that are not recognised by HMRC, e.g. OFEX.
  • Unit trusts, open ended investment companies (OEICs)
  • Warrants, covered warrants
  • Government stock and fixed interest stock
  • Un-quoted shares
  • Commercial property
  • Property funds

Initially, the Government was going to allow personal pension funds to invest in residential property and this created considerable interest from investors. However in December 2005, the Chancellor announced a U-turn by announcing that additional tax would be charged if a pension fund invested in residential property.

If a SIPP does invest in residential property or “taxable investment/property” such as vintage cars an extra charge will be applied. Onerous tax charges on the prohibited investment can be levied.

This means that although it will be possible to invest in residential property the additional tax charge makes it an unattractive option.

Taxable property consists of the following –

  • Residential property in the UK or elsewhere which is a building or structure, including associated land that is used or suitable for use as a dwelling.
  • Tangible moveable property are things that you can touch and move including assets such as art, antiques, jewellery, fine wine, classic cars & yachts.

What charges would be levied for holding residential or tangible moveable property?

  • An unauthorised member payment charge of 40% of the value
  • If property exceeds 25% of fund, further unauthorised payments tax surcharge of 15%
  • Scheme sanction charge of 15%
  • Any income or gain will be taxed
  • The scheme could be de-registered (40%)

For these reasons, providers will not often permit such investments.

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