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During the Coronavirus outbreak, we are taking precautions to protect the health of our colleagues and clients as well as working hard to ensure business as usual is maintained. We will continue to respond to all communications as quickly as we can. However, if your call is not urgent, please contact us via email and we will respond as soon as possible. If you are uncertain of a particular email address, please use one the following:


Alternatively, if your call is urgent, many of our staff are contactable on their direct lines. The Embark Group has full capabilities in place to enable all our staff to work remotely and we are doing our best to maintain our service levels, however please note response times may vary.

For useful tools and resources or to learn more about the market impact of Coronavirus, please visit our COVID-19 page.

permitted investments.

Investments held in our self-invested pensions must meet our requirements for permissable assets. Occassionally legislation will affect particular asset types and render them unacceptable, where this is the case we reserve the right to disinvest.

Members can appoint an investment manager to run portfolios in their scheme. If so, we offer guidance on the administration requirements and acceptability of assets.

Note that this list is not exhaustive; please contact us if you are in doubt or if your investment choice is not on the list. Please also get in touch if you would like to appoint a discretionary fund manager or stockbroker to ensure it is approved.

Standard investments.

These standard investments can be held within our self-invested pensions. If the member has elected to simplify, just one portfolio can be held.

  • Funds and equities
  • Insured pension funds and bonds, including trustee investment plans (TIPs)
  • Unit trusts and onshore and offshore open ended investment companies (OEICs)
  • Authorised collectives, platforms and investment portfolios
  • Equities, warrants and bonds quoted on the London stock exchange (including AIM) and ISDX Main Board
  • Equities, warrants and bonds quoted on recognised worldwide stock exchanges
  • Investment trusts
  • Cash and deposits
  • Structured products (not available in the single investment option SIPP)

Non-standard investments.

The following investments are eligible under the current legislation and regulatory framework. We may perform additional due diligence on specific opportunities.

  • Hedge funds and other alternative investments
  • Foreign exchange contracts
  • Unquoted shares
  • Commercial property, including overseas
  • Hotels, prisons, care homes and public houses
  • UK forestry, woodland and agricultural land
  • Land, including land for development
  • Gold bullion

Unacceptable investments.

While we aim to offer the widest range of investment opportunities possible, some assets cannot be held in our self-invested pensions. Including:

  • Residential property (including ground rent)
  • Unsecured corporate loans
  • Carbon credits
  • Harvestable commodities and plantations
  • Landbanking
  • Life settlements
  • Traded futures and options, contracts for difference (CFDs) and other derivatives
  • Tangible moveable property including: plant and machinery, wind turbines, solar panels, antiques, fine wine, furniture, jewellery and gemstones, oriental rugs, rare books and stamps, vintage cars, works of art, Krugerrands and yachts


An added benefit of a self-invested pension is the ability to borrow to buy assets, like commercial property, or to pay benefits.

Find out more


Self-invested pensions can purchase and hold commercial property, offering the potential for capital growth and regular income.

Find out more


A Third Party Investment Account (TPIA) on the Embark platform is a low cost and efficient way for clients to invest their pension savings.

Embark Platform website

pre-approved investment providers.

We have links with stockbrokers, fund supermarkets and platforms. By utilising the services of our preferred partners you can benefit from reduced fees. Below are just a few examples of the providers we work with.

Get in touch to find out more.


Advisers need a registered account to apply. Please contact Brooks Macdonald on 020 7499 6424.

Brooks Macdonald website


Advisers need to have a registered account in order to apply. Email Embark platform directly.

Embark platform website


Contact the Rowanmoor sales support team on 01722 443742 or email us for an application form.

Investec website


Contact the Rowanmoor sales support team on 01722 443742 or email us for an application form.

Stocktrade website