UK Residents
Your Future, Your Control: The Invinitive UK SIPP
Planning for retirement is one of the most important financial steps you can take. A Self-Invested Personal Pension (SIPP) with Invinitive gives you the power to take control of your pension, putting you in the driver's seat of your retirement savings.
What is a SIPP?
A SIPP is a personal pension that allows you to choose and manage your own investments from a wide range of options. Unlike traditional workplace pensions that often have a limited selection of funds, an Invinitive SIPP lets you build a portfolio tailored to your unique financial goals and risk tolerance.
The Benefits of an Invinitive SIPP for UK Residents:
Generous Tax Relief: The UK government encourages you to save for retirement by topping up your contributions. For every £80 you contribute, the government adds £20, boosting your pension pot with basic rate tax relief. If you're a higher or additional rate taxpayer, you can claim even more through your self-assessment tax return.
Flexible Contribution Limits: You can contribute up to 100% of your relevant UK earnings, up to the annual allowance of £60,000 for the current tax year. Even if you're not working, you can still contribute up to £3,600 (gross) and receive tax relief.
Consolidate Your Pensions: Have old, forgotten pension pots from previous jobs? With an Invinitive SIPP, you can easily transfer and combine them into one single, easy-to-manage fund. This reduces paperwork and gives you a clear, holistic view of your total pension wealth.
Costs and Charges of the Invinitive SIPP
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£150
SIPP Pension Wrapper Fee
Per Annum
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0.25%
Platform Fee (capped at £400)
Per Annum, Per Product
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£7.95
Trade Fee
All Assets Buy/Sell
More Benefits:
Wide Range of Investments: Our platform provides access to thousands of investment options, including UK and international stocks, bonds, Exchange-Traded Funds (ETFs), and managed funds. You have the freedom to build a diversified portfolio that aligns with your strategy.
Flexibility at Retirement: From age 55 (rising to 57 from 2028), you can access your pension savings flexibly. This includes taking up to 25% of your pot as a tax-free lump sum, with the remaining funds available for flexible withdrawals (subject to income tax).
A Note on Tax: The value of investments and any income from them can go down as well as up. Tax relief is subject to change and depends on your individual circumstances.