SIPP
In complete control – before and after retirement
A Self Invested Personal Pension (SIPP) enables members to provide for retirement through a fund over which they and their Financial Adviser have full investment control, while enjoying the tax benefits available under a registered pension scheme.
James Hay SIPP offers:
Benefits
There are many benefits to investing in a pension with James Hay:
- Tax efficient way to save for retirement
- Adaptability to changes in career, lifestyle, and individual needs
- All SIPP contribution and transfer values received are paid into the member's designated Bank Account
- Flexible income withdrawal options, which can be phased for those wishing to retire gradually over a period of years
- Ease of management – online if preferred
- Service by a multi-award winning team – information, technical analysis and telephone help, backed by the expertise and experience of the UK’s number one SIPP provider
- James Hay SIPP may also accept transfers of benefits from other registered schemes or qualifying recognised overseas pension schemes (QROPS)
Points to Consider
Before buying a SIPP, all of the risks and commitments need to be considered. More information about these can be found in the
Private Client SIPP Key Features,
Select SIPP Key
Features and
eSIPP Key Features.
- SIPPs are aimed at investors who want to actively manage their investments to maximise their value. This might make a SIPP more expensive than other types of pension.
- The value of investments held in a SIPP can fall as well as rise, which could affect income in retirement.
- Prior to making any decision about the suitability of a SIPP, or any financial product, we recommend that you seek the advice of a Financial Adviser.
- Investors who do not have a Financial Adviser, should consider whether other types of pension may be more appropriate for them.
Product Range
James Hay offers a variety of products to suit individual needs and investment choices:
- eSIPP – our online product, allowing investment in equities through Abbey Sharedealing and Investment Centre
- Private Client SIPP – includes whole of market investments, Investment Centre, Property
- Select SIPP – Select SIPPs are only available through Financial Advisers and are primarily aimed at investing in the Select Fund range through the Investment Centre, with a self investment option available.
Investment Flexibility
The Investments shown are examples of those available through James Hay. A fuller description of each type of investment, including the risks and rewards are detailed more fully throughout this site. James Hay will not provide any advice in relation to these products.
James Hay awarded 5-star Defaqto rating
James Hay has once again been awarded the prestigious 5-Star Defaqto rating for its
Select SIPP and
Private Client SIPP. This is the fifth year running that the Select SIPP has received this award and the second year in a row for the Private Client SIPP. Star ratings are based on the quality of the product and 5 stars represent products in the top 10 percent of policies. For more information visit www.defaqto.co.uk.