Significant changes are occurring in the pensions market which London & Capital has taken the time to explore and working with consultants have developed a more flexible and dynamic approach for the benefit of both employers and employees and their advisers.
Existing arrangements often lack investment choice with many members being left in default funds with no one taking the responsibility of ensuring that these meet both their ongoing attitude to risk and current market conditions.
A SIPP (Self Invested Personal Pension) gives greater control over where investments can be made.
Most traditional pensions only allow you to select from a limited list of funds, normally run by the pension company's own fund managers. A SIPP allows you to choose from a wide range of funds and other investments as governed by HMRC guidelines.
A SIPP enables selection of the most potentially profitable investments and therefore maximises returns, providing a pension fund that's really working for ones retirement.
There are a wide range of SIPP providers currently in the market offering various levels of investment sophistication. At one end of the scale is the less flexible style of SIPP all the way through to the top end 'true' SIPP which offers the greatest flexibility as outlined by the HMRC guidelines.
At London & Capital we have close working relationships with a number of SIPP providers and can help you in selecting the most suitable provider for the type of investment that you are likely to make.
Download our Pensions Overview to see how we can help you.