SIPP – Investments

Approved Investments

You can take a far more active role in the management of your pension’s assets than would be possible via an insured arrangement.

You can invest in almost anything that is permitted by HMRC, some examples of which are listed below:

  • stocks and shares quoted on a recognised exchange (subject to pre-approval in certain jurisdictions and on certain exchanges, eg AIM and similar)
  • investment trusts
  • deposit accounts
  • UK Real Estate Investment Trusts (REITs)
  • Venture Capital Trusts (VCTs)
  • units/shares in collective investment schemes
  • structured products
  • insurance company managed funds and unit linked funds
  • managed portfolios of collective investments
  • traded futures and options (relating to stocks and shares on a recognised futures exchange) through your investment manager;
  • traded endowment policies
  • exempt authorised unit trusts
  • commercial property, with or without a mortgage
  • agricultural land
  • gold bullion
  • secured loans to unconnected 3rd parties

Disclaimer: please note that although the above are permitted, any decision to invest is at the trustees’ discretion.

Examples of investments that are not permitted include:

  • residential property
  • private company/unlisted shares
  • loans to the member or anyone connected to the member
  • other exotic assets, such as vintage cars, wine, stamps and art works

Important Note: certain investments, although allowable, may present significant risk/volatility/liquidity issues. We strongly recommend in all cases you seek the advice of a suitably qualified adviser.