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Benefits of a SIPP

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A Self-Invested Personal Pension (SIPP) is a flexible type of pension that gives you and your adviser the freedom to choose where to invest your pension savings. While traditional personal pensions would normally be invested in certain asset classes, a SIPP allows you to take control and give your savings the best chance of investment growth to provide for your ideal retirement.

Investment flexibility

With a SIPP you can invest in all kinds of assets, even commercial property. Our Individual SIPP and Family Trust offer full flexibility to invest in any HMRC allowable investments, and we offer a more limited range through a cost-effective eSIPP and Single Investment SIPP if you don't want to take advantage of the more complex investment options. Click here for more information about the investments available via Pointon York SIPPs.

Tax-effective saving

SIPPs benefit from generous tax relief, shown by the diagram below:Tax relief diagram

Pension consolidation

A SIPP is an ideal way to manage all of your pensions in one place. By consolidating your pensions you can easily monitor the value of your retirement savings and maximise your investment capacity.

Flexible retirement options

A SIPP offers you more options at retirement than a traditional personal pension. At any time after age 55, you can normally take up to 25% of the value of your pension pot as a tax-free cash lump sum. Then you can choose to draw the rest of your pension direct from your SIPP with us or purchase an annuity. If you have opted for our Family Trust, you will also be able to take Scheme Pension, whereby your income is tailored to you based on your health as well as your age. Click here for more information.

Contribute when it suits you

You can choose how much and how often you pay into your SIPP (subject to certain rules), and you can take a break from payments if you need to. Click here for more information.


Important Information:

Please be aware that the value of investments held in your SIPP can go up as well as down, especially over the short-term. Before making any financial decision we strongly recommend that you seek financial advice and ensure you understand the risks of your decision. To find an adviser in your local area visit, an independent search website. You also need to remember that you cannot access any money invested into a SIPP until retirement, which will then be subject to certain withdrawal limits. Tax rules can change and the exact amount of relief available depends on your circumstances.  Information contained on this website is based on our understanding of legislation and Revenue practice at the time of writing.


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Jargon Buster

To make SIPPs as straightforward to understand as possible, we've explained any technical terms you may come across in our Jargon Buster.



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Pointon York House
Welland Business Park
Valley Way
Market Harborough
LE16 7PS

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Pointon York SIPP Solutions is a division of Curtis Banks Limited authorised and regulated by the Financial Conduct Authority.