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So, what is a “Grown up” SIPP?

One where the SIPP member:

• is a co-trustee and co-signatory on all investments
• isn’t pushed towards specific investments
• isn’t limited to only a small number of investments
• is free to choose any stockbroker / online trading platform
• is able to have more than one bank account for cash deposits
• can make in-specie contributions
• isn’t charged for making personal pension contributions
• isn’t charged when they decide to take a pension

One where an IFA:

• can gain access to technical advice which helps find solutions rather than fills in a tick box
• can be safe in the knowledge that their clients won’t be offered other promotions direct from the SIPP provider without their knowledge
• can get sales support, seminar support and assistance with client meetings from the SIPP provider
• can develop products for their clients to fit within SIPP parameters
• can get access to exclusive products where the SIPP provider has been appointed sole SIPP provider for an investment opportunity

One Where the SIPP provider:

• doesn’t limit the investment parameters other than those laid down by HMRC
• publishes their schedule of fees on their website
• doesn’t take commission from any member investments
• doesn’t take a percentage of the interest earned on members cash deposits
• doesn’t shadow charge for any stock/share investments made with a stockbroker

For more information on Protected Rights investment, download our free Protected Rights guide