A Self-Invested Personal Pension (SIPP) is a tax-efficient do-it-yourself pension, it’s a pension where you are in control and you make the decisions. It offers a low cost and accessible alternative to more complex traditional pensions.

A SIPP allows you the flexibility to choose where your pension money is invested.

Like all pensions, SIPPs qualify for up to 45% tax relief on the money you put into them and there is no capital gains tax or further income tax to pay. The tax benefits in SIPP will depend on your circumstances and tax rules set out by the government.

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Pension Risk Warning: Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested. The value of your fund may be less than you paid in. All investments carry an element of risk, which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice. Tax rules may change in the future and taxation will depend on your personal circumstances. Charges may be subject to change in the future.

Before you choose a SIPP, make sure you understand its aims and risks. You should ensure you have read the Key features document and Fund Factsheets and Fund Key Investor Information Document (KIID) beforehand. SVS does not give Pension Transfer advice. 

Before initiating a transfer you should seek professional advice on the merits of the proposed transfer that is specific to your circumstances. Your existing pension may have valuable benefits which you might lose when you transfer.

A SIPP requires active management and investment expertise. You should make sure you review your investments regularly. 

Laws and tax rules may change in the future without notice. The information here is our understanding in January 2015. This information takes no account of your personal circumstances which may have an impact on tax treatment.