Find the best SIPPs Pensions
“For larger pensions savers, who want more control over the assets and asset classes where their pension savings are invested, SIPPs pensions are an attractive and flexible pension type, and may be the perfect choice for you.”
Gareth Flanagan, Principle First Financial Advisers
If you want more control over the funds where your pension savings are invested, then the SIPP does exactly what it says on the label – it is ‘self-invested’ by you. While more traditional pension types limit your investment to a range of investment funds, a SIPP offers you the freedom and flexibility for direct investment in particular company stocks of your choice – worldwide.
SIPPs pensions can also contain a wide range of other investments, including unit trusts and works of art, for example.
Need SIPPs pensions advice? Speak to our dedicated pension advisers on 0800 678 5929 or get pension advice online
Greater flexibility means greater need for SIPPs pension advice
However, with these additional freedoms comes a greater need for top-class analytics, and reliable information, as provided by our state-of-the-art software, backed up by our quality independent pension advice.
We use a unique investment risk profiler tool to evaluate what ‘investor type’ you are, so that we can create a portfolio of investments tailored to your needs, and which keep the risk level of your investments well within your ‘comfort zone’. A Principle First client sleeps well at night, with no worries about his funds and pensions investments!
Check your investment risk profile now to find out the pension funds to suit you
You are not limited to a small number of investment funds, and placing at your disposal our state-of-the-art analytical tools, and our intimate product knowledge, we can help you assess the top funds worldwide, including those in our own recommended investment portfolios.
Whan can my SIPP do for me?
A SIPP pension can contain a range of other investments, including government securities, unit trusts, and bank deposit accounts.
Is most of the value of your wealth tied up in commerical property? With its capacity to buy and hold commercial property, your SIPP can unlock some of that value as cash for you, right now.
Take for example a company director. If he owns commercial property, whether it be the building where his own business is located or elsewhere, he can have immediate access to all or part of the cash value of that property by selling it to the SIPP. If he chooses to sell the whole property into the SIPP, his SIPP pension becomes the owner of the property, and his business must then pay a commercial rent for the property into his SIPP. This is free of tax, and boosts further the value of his SIPP pension. As the businessman is no longer the owner of the property, the building is also protected from his creditors, in the event that his business were to go into liquidation.
If funds investments, as discussed above, and not commercial property are the driving force of your pensions planning, you can also open a (lower cost) personal pension that has the ability to be transformed into a fully-fledged SIPP at a later date. This option is known as a ‘deferred SIPP’.
As a quality independent financial adviser, Principle First’s pension advisers can carry out a SIPP comparison and help you create the best SIPP pension for your individual needs.
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