Commercial property

An attractive addition to your pension portfolio

For many investors, one of the particular attractions of a SIPP, either stand-alone or within a James Hay Wrap, is the opportunity to hold a commercial property through their pension portfolio. This provides the investor with the valuable opportunity to own their firm’s business premises through their pension fund, or another type of commercial property.

Provided we are satisfied that a property meets the HM Revenue and Customs (HMRC) criteria for acceptability as a permitted investment, and falls within our own guidelines for property, we will make the purchase and administer the property on the investor’s behalf.

Points To Consider

• James Hay can accept Commercial property (such as shops and offices) as an investment to be held in a SIPP (subject to the terms in the SIPP Property Guide), however property is not a liquid investment and may not be readily realisable
• Using commercial property in a SIPP will mean that it will be legally owned and controlled by the SIPP Trustees
• Some investments carry a higher degree of risk than others. Individuals should be sure that they fully understand the risks of such products before proceeding to invest in them and seek independent financial advice if necessary

Find more information on our literature pages or call our Information Centre on 0845 850 4455.