Financial Advice
We are authorised and regulated by the Financial Conduct Authority.
Assets are protected by the Financial Services Compensation Scheme.
We are authorised and regulated by the Financial Conduct Authority.

What is a SIPP?

A SIPP is a ‘Self-Invested Personal Pension’ that allows you to choose how your pension contributions are invested.

The value of your pension pot at retirement depends on the amount you contribute and investment performance.

SIPPs permit a wide range of investments but the wider the choice, the likely-higher set-up fees, annual management fees and trading fees.

Investment types within SIPPs can include the following:

  • Shares
  • Investment Trusts
  • Cash
  • Government gilts
  • Corporate bonds
  • Unit trusts
  • Open-ended investment companies (OEICs)
  • Exchange Traded Funds (ETFs)
  • Real Estate Investment Trusts (REITs)
  • Commercial property

You might be wondering how SIPPs differ from modern day personal pensions that permit a vast range of investment types and you’d be right.

However, SIPPs do have some extra technical ‘bells and whistles’, such as allowing a certain amount of the pension pot to purchase a commercial property and to receive rent in return.
Getting started

Getting started

  • Setting up a SIPP is as easy as setting up a personal pension
Things to think about...

Things to think about...

  • Why should I pay more for extra ‘bells and whistles’ that I’m never going to use?
  • What can a SIPP do that a personal pension can’t do?
  • If I am allowed to self-invest in my personal pension, do I need a SIPP?

How we work

We keep it straightforward and simple.


Arrange a Lifestyle Planning Meeting

A meeting at our expense to identify where you are now, how you got to where you are now, and where you’re trying to get to in the next 5, 10 and 20 years and so on for the rest of your life; in other words, a Lifestyle Plan.


Arrange a Financial Planning Meeting

Another meeting, again at our expense, to identify all the resources available to you now, resources that will become available in future, and most importantly resources that might have to become available to satisfy the needs of your Lifestyle Plan.


Arrange an Implementation Meeting of your Financial Plan

If, and only if, your Financial Plan indicates that that your needs would be best served by a financial or investment product and service, it is at this point that a recommendation will be made, again at our expense. If you are happy to go ahead in full knowledge of the facts and the fees involved, we can then start to implement your Financial Plan. If you want to walk away at this point, no problem; we wish you well and it won’t have cost you anything.


Arrange an Annual Forward Planning Meeting

Now on board as a Sutherland IFA fee-paying client, an annual meeting is held to make sure that your Lifestyle Plan and your Financial Plan are on track to meet your financial goals and objectives.

Let’s start a conversation

We welcome the opportunity to learn more about how we can help you. Schedule a free no-obligation consultation, you might be surprised!