Your investments managed for you by a dedicated Investment Manager
Where will we invest your pension?
The extensive range of investments and increased options at retirement means that a SIPP offers you far greater control and flexibility over your lifetime savings. Our SIPP offers a huge range of pensionable investments, such as:
- Other fixed income instruments
- Commercial property and land
Should there be anything you do not wish to invest in, our award-winning team can accommodate all your needs, creating a bespoke investment strategy suited to you.
How much can I contribute?
The standard annual allowance for a SIPP in this tax year (2018/19) is £40,000.
However, if you are a high earner, you may need to plan for a reduction in the amount you can contribute to your pension in any one year. Anyone earning over £150,000 will suffer a reduction in the annual allowance (under a rule change on 6th April 2016) such that earnings beyond £210,000 are subject to a contribution cap of £10,000 for this tax year (2018/19).
You have until the 5th April 2018 to take advantage of unutilised contribution allowances from the previous 3 years. Within this tax year you could therefore make use of the the £40,000 allowance for tax years 2014/15, 2015/16 and 2016/17. Again, higher earners should be aware that the maximum amount that can be carried forward in future tax years is set to reduce.
As we move forward under the new legislation, higher earners in particular should ensure that they receive the appropriate advice that will allow them to maximise the amount of tax relief that they receive.
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