Property SIPP Pensions
Flexible pensions for private individuals
A SIPP is a self-invested personal pension, a pension plan that enables the holder to choose and manage their investments.
A SIPP scheme gives a greater choice of investments that would otherwise be impossible with a traditional pension. You still get all the same great tax benefits, but now you get to make the investment decisions. You can invest directly in high yielding property, for example, something you cannot do with a traditional pension.
There are SIPP rules that need to be adhered to when investing in property with a SIPP and we have expert knowledge to ensure you can make an informed decision. If your plan is to invest in property through a fund or as a direct investment then a SIPP could be the right pension for you. A property SIPP can cost as little as £500.00 per year and high yielding property investments can generate substantial returns. Much of the money you save is as a result of making investment decisions yourself.
Key Benefits of a Property SIPP
Invest in property
Fixed investment returns of up to 12% p.a.
Consolidate Pensions
Simple 7 day set up process
If you are a company director a SSAS pension has far more benefits for you than a SIPP pension.
Transferring old company pensions or private pensions into a SIPP is possible, in fact it is quite straightforward.
However, you must have made a decision on your investment plans before you set up a SIPP. This is because not all SIPP scheme providers allow the same investments, some are more flexible than others so it is important that you get help to choose the right SIPP scheme provider.
Whilst a SIPP attracts tax relief on contributions from a member, a SIPP can also borrow against its own value to increase the scope of investment. The maximum a SIPP can borrow is 50% of its value. So, for example, a SIPP that has assets and cash worth £100,000 could borrow a further £50,000.
Many of our clients acquire commercial property and land for development within a SIPP but there are equally as many that simply want a ‘hands-off’ approach where they can get the highest yielding return from a property investment. The investment page on this website has a comparison chart of some leading investments that can be held in a SIPP or a SSAS.
If you are searching for SIPP investments then please visit the investment page.
It should be noted that it is not possible to invest in residential property using a SIPP.
It should be noted that it is not possible to invest in residential property using a SIPP. However, there are other options such as commercial property or land that can be purchased. It is also possible to develop a residential plot. There are strict rules which consultants at TLPI know and understand to help you avoid making mistakes.
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