SIPPs - Self Invested Personal Pensions

To use this vehicle to its best effect needs skilled advice, because although the advantages are manifest, SIPPs, as with all pensions, are governed by rules.

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The rules governing pensions have evolved over time and pension investors have been deluged by a plethora of rules and technical terms: annual allowance, fixed protection, taper relief, money purchase annual allowance, LTA, carry back and carry forward, salary sacrifice, drawdown, pension consolidation, to name a few. It is easy to see why investors might not make the most of this really valuable tool. Save & Invest has decades of experience helping our clients make their SIPPs work for them and their families.

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Pensions have changed, just as how we view retirement has changed. For many people it is no longer a fixed date but a period where work become more flexible before full retirement becomes settled. A SIPP is the ideal vehicle to manage the transition to full retirement, to use capital accumulated in your pension for major expenditure in the fun years of life, and with skilled help manage the investments in the SIPP to balance spending with the long term plan for lifetime income and eventual transfer to family.

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