Investment Flexibility

Pensions law and HMRC requirements dictate what investments are permitted from time to time within pension schemes.

Subject to these considerations and limitations, we want each individual scheme to be able to take maximum advantage of the freedoms permitted.  The NSS Solution SIPPS is designed specifically, unlike many others, to enable clients to enjoy this flexibility without additional restrictions.  In particular, they are able to select from the whole range of permitted investments and may consider, where appropriate, investments in private equity and loans and joint investments made with the scheme member and/or third parties.

Permitted investments include cash deposits, fixed interest investments, equities quoted on any international exchange, private equity, commercial property, interests in land and joint investments.

Our pension schemes may borrow on suitable terms where necessary.

HMRC rules prohibit direct or indirect investments in “taxable property” which includes residential property and/or “taxable moveable property” which, for example, includes objets d’art, precious stones, stamps, antiques, etc.

SIPPS may not make loans to scheme members or associated companies.

Pension scheme investments must be selected so that they meet the objectives for the scheme.

Nigel Sloam & Co will provide expert counsel on what is permitted from time to time.