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Beware of scams – German Property Group, The Resort Group, Storefirst and Parkfirst investors beware of scammers offering to release these assets from your pension for an upfront fee.  Click here for more details.

SIPP Portal

For Professional Advisers only

SIPP

The Rowanmoor SIPP gives clients full control of their retirement savings, with access to a wide range of investment opportunities. Our aim is to offer the most comprehensive investment choice available under current legislation. A full list is available on our permitted investments page.

Single Investment SIPP

Our single investment SIPP is for clients who want to simplify by investing in a single portfolio from a discretionary manager, stockbroker or fund platform.

Full Investment SIPP

This option unlocks the SIPP’s wider investment flexibility. There are no restrictions on the number of investments that can be held, allowing you to diversify through multiple portfolios, or invest in assets such as commercial property, unquoted shares and collective investments (non-regulated).

If the client’s investment needs require more diversity, they can change from a Single Investment SIPP to a Full Investment SIPP, or vice versa if their needs simplify. No matter how they choose to invest, they will always benefit from our award wining technical capability and service.

We provide guidance on the administration requirements and acceptability of assets in the SIPP. Please get in touch if your or your client’s investment choice is not on our approved list.

Investments

Investments held in our self-invested pensions must meet our requirements for permitted assets. Occasionally legislation will affect particular asset types and render them unacceptable, where this is the case the trustees must disinvest.

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The Metro Bank PLC account we set up for each self-invested pension, ie SIPP, FPT and SSAS, is for the purpose of managing all cash payments related to the scheme and is a mandatory requirement.

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Buying commercial property via a self-invested pension can be a tax-efficient way to inject cash into a business and provide regular income in the form of rent.

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One of the benefits of using a self-invested pension is the ability to borrow from within the scheme. This may include borrowing to purchase commercial property or provide benefits.

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Technical detail

Self-invested pensions are complex products. They benefit from investment flexibility and tax advantages, although its important to understand the finer details.

Funding Retirement

There are several ways an employer, members or third parties can contribute to a scheme.

Funding retirement

Retirement Benefits

Our schemes aim to offer members the widest choice of options for taking retirement benefits.

Retirement benefits

Death Benefits

Death benefits are paid to a member’s nominated beneficiaries at the discretion of the Trustees.

Death benefits