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SIPP Investments

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Other than maintaining £1,000 in the member’s SIPP bank account, a member is generally free to invest their SIPP funds as they wish, subject to minimal restrictions.

We are not an investment company and do not limit investments, for example, to a chosen list of sponsored investments.

There are a few investments we will not let members invest in because of the tax consequences that would arise, but otherwise we will consider most investment proposals. 

Typical SIPP investments

The types of investments open to you through The Pointon York Individual SIPP include the following:

  • Unit trusts, Open Ended Investment Companies (OEICs) and investment trusts*.
  • Stocks and shares in this country and abroad*.
  • Unquoted shares (subject to certain restrictions).
  • Commercial property, including shops, offices, warehouses, industrial units, hotels / hotel rooms (provided certain conditions are met) and agricultural land.
  • Joint or syndicated commercial property investments.

* If the underlying investments include residential property certain conditions must be met.

Connected transactions

The SIPP can buy or sell assets from / to the member or persons connected to them, and we can lease commercial property back to the member’s business.

But all connected transactions must be at market value (supported by an independent valuation) and on commercial terms.


A SIPP may borrow up to an aggregate limit of 50% of a member’s net fund value at the time of borrowing (including any Protected Rights).

Any breach is subject to a 40% tax charge (on your SIPP).

For example, if a member has a SIPP worth £400,000 they can borrow £200,000 (enabling them, for example, to buy a £600,000 commercial property).  Costs would also need to be considered.

What investments may not be held in a SIPP?

A SIPP cannot invest directly in the following assets (because of the tax consequences of doing so):

  • Residential property (including holiday and buy-to-let property)
  • Loans to connected parties
  • ‘Tangible moveable property’ (things that can be touched and moved – i.e. antiques, cars etc)

Acting in the best interests of the SIPP

All investment decisions must be made in the best interests of the SIPP (rather than the member in their personal capacity).  A deemed benefit to the member from the SIPP will result in tax charges.


A member wishes to buy land next to their house.  As this protects their boundary, the cost is subject to a premium.  The transaction is likely to be more for the benefit of the member personally than the SIPP, as the purchase allows them to protect and control their boundary.  


We do not provide you with advice about your investments, and act purely on an Execution-only basis.

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

01858 419300
01858 419400

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