Self-Invested Personal Pension (SIPP)
Niche Independent Financial Advisers are specialists in complex pension matters and a key area for many of our clients is the ability to utilise a Self Invested Personal Pension or SIPP in order to widen their investment options.
A SIPP has the ability to invest its assets into an array of different solutions namely:
- Stocks and shares quoted on an HMRC recognised Stock Exchange
- Securities listed on the Alternative Investment Market (AIM)
- Deposit accounts
- Trustee investment bonds
- Fixed-interest securities
- Futures and options
- Unit trusts & investment trusts
- Traded second-hand endowments
- Commercial property (though not residential property)
- Open-ended investment companies, including hedge funds
- Intellectual property
- Unlisted shares
We have a vast experience in using SIPPs to provide innovative solutions for small businesses and experienced investors.
A key area of the use of SIPP’s is the ability to purchase Commercial Property. This allows pension investors a unique way of raising funds to purchase a commercial property without the need for bank lending or at least a reduction in the amount required from your typical high street lender whilst dramatically reducing the risk to your business. Investment in a commercial property produces a rental income and in addition, often benefits from growth due to the increasing value of the property in question therefore offering a novel yet very tangible investment option.
In addition, if you run a successful business but require an injection of funds, the ability for a SIPP to purchase shares within a small company may be the added boost required to get a new project off the ground. Your pension then benefits from the same advantages as any other share purchased with the potential for dividend payments and growth as your company improves.
Contact us to find out how we could help you to make better use of your pensions.