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Your total retirement wealth planning solution
Key features:
- Flexible – Designed to support your retirement goals with 24/7 online access for you to view or change your investment options when you need.
- Stable – With over 40 years’ experience in retirement wealth planning, we have created the tools you need for efficient management.
- Market-leading products - With our Modular iSIPP at the core of the Modular iPlan, you have the option to add an ISA and GIA wrapper.
- Fair pricing - You only pay for what you use, when you use it.
The Modular iPlan is our flexible and cost-effective solution for you to manage your pensions and investments - all in one place.
Within the Modular iPlan, you start with our self-invested personal pension (SIPP) - the Modular iSIPP. With the Modular iSIPP you can access over 3,700 funds at competitive prices with the option to add further investment modules to diversify your portfolio. Once the Modular iSIPP is in place, you then have the option to add an Individual Savings Account (ISA) or if you want to invest beyond the pension and ISA allowances, you can add a General Investment Account (GIA).
Please note: you must have an appointed financial adviser before you can apply for a Modular iPlan.
Modular iPlan options
Modular iSIPP
- Contribute up to 100% of annual taxable income, normally subject to £40,000 limit*
- Tax relief The income tax that can be reclaimed on pension contributions. On an occupational pension, tax relief is given by deducting pension contributions out of pre-tax salary. On a personal pension, basic-rate tax relief is usually added onto pension contributions, while higher-rate and additional-rate taxpayers reclaim their additional relief as a reduction on their annual tax bill. Non-taxpayers can get tax relief added onto their pension contributions up to a certain amount. Tax relief is given at an individual’s marginal rate of income tax. Relief is available on contributions of up to 100% of a person’s earnings or the annual allowance, whichever is lower. given on contributions
- Fund grows largely tax-free
- Can usually only be accessed from age 55
- Take 25% of fund tax-free
- Optional investment modules
- Whole of MarketA module offered by James Hay that allows investors to include funds and investment managers not offered within the James Hay Investment Centre.
- Commercial Property
*These are the limits for contributions receiving tax relief; non-taxpayers can contribute up to £3,600; unused contribution allowances can be carried forward to the next tax year
Modular ISA (optional)
- Invest up to £20,000 a year (2022/23 limit)
- Fund grows largely tax-free
- Access at any time
- Take 100% of fund tax-free
- Optional investment modules - Whole of Market
Modular GIA (optional)
- No investment limit
- Fund growth is taxable
- Access at any time
- Income and capital gains subject to tax
- Optional investment modules - Whole of Market
Online, informed and in control
One of the most important aspects of the Modular iPlan is the online functionality that enables you to keep track of your investments.
With a James Hay Online account, which you can open once your Modular iSIPP is in place, you can:
- buy, sell or switch investments
- monitor and manage your income
- view up to date valuations, current and historical summaries
- and much more
What are the benefits?
- A flexible and fair pricing structure means only paying for what you use.
- A full range of investment wrappers including SIPP, ISA and GIA.
- Manage retirement income and investments anytime, at the click of a button.
- A wide choice of investment options with online access to over 3,700 funds from leading fund managers via our Investment Centre.
Who can open the Modular iPlan?
Please remember
Modular iPlan products are not suitable for all investors, and you must have a financial adviser appointed to apply on your behalf. If you do not already have one, you can get a list of regulated financial advisers in your local area at www.unbiased.co.uk or by calling 0800 023 6868.