Self Invested Personal Pension

A Self-Invested Personal Pension (SIPP) is a type of personal pension that offers greater flexibility and control over your retirement savings. SIPPs are ideal for individuals who want to take an active role in managing their pension investments and have the freedom to choose from a wide range of investment options.

How We Can Support You

At Lionbridge Wealth, we specialise in setting up and managing SIPP pensions. Our comprehensive services include:

Expert Consultation: We provide personalised advice to help you determine if a SIPP pension aligns with your financial goals.
Setup and Administration: Our team handles all aspects of SIPP setup and ongoing administration, ensuring compliance with regulatory requirements.
Investment Guidance: We offer strategic investment advice to help you maximize the benefits of your SIPP pension.
Ongoing Support: From regular reviews to updates on regulatory changes, we provide continuous support to keep your SIPP pension on track.

Exploring Self-Invested Personal Pensions (SIPP)

A SIPP is more than just a pension plan; it's a gateway to a myriad of investment opportunities, allowing you to diversify your retirement savings across a variety of assets.

Navigating Through SIPP Investment Strategies

Customised Investment Pathways: SIPPs offer a broad spectrum of investment choices, such as stocks, bonds, mutual funds, and even commercial properties, enabling you to tailor your retirement savings strategy.
Navigating Investment Choices: With a SIPP, you have the autonomy to navigate through diverse investment options, ensuring your pension is optimised for maximum returns and tax efficiency.

Key Features of SIPPs

Diverse Investment Options: SIPPs open up a world of possibilities, from investing in stocks and bonds to mutual funds and commercial properties.
Investment Flexibility: Align your investment strategy with your financial goals and risk tolerance.
Online Management: Track performance through online platforms.

Advantages of Utilising SIPPs

Tax Perks

Tax Relief on Contributions: Enjoy a 20% tax relief on contributions, with the possibility for higher-rate taxpayers to claim even more.
Tax-Free Growth: Investments within a SIPP grow free from capital gains tax and income tax.

Financial Autonomy

Investment Control: SIPPs give you complete control over your investment choices, allowing for a personalised retirement strategy.
Diversification: The wide range of investment options allows for effective diversification, spreading risk across different asset classes.

Convenience and Flexibility

Flexible Contributions: Make both regular and one-off payments into your SIPP as per your convenience.
Drawdown Options: From age 55 (57 from 2028), start drawing money from your SIPP in various ways, including lump sums or a regular income.

Contribution Guidelines

Annual Allowance: Contribute up to £60,000 per year or 100% of your earnings (whichever is lower) and still enjoy tax relief.

Age Guidelines

No Minimum Age: There is no minimum age to start a SIPP.
Access Age: Funds in a SIPP are usually accessible from age 55, increasing to 57 from 2028.

Self-Invested Personal Pensions in the United Kingdom

A SIPP is not just a retirement savings tool; it's a versatile financial instrument that, when utilised effectively, can pave the way to a secure and prosperous retirement. With its wide range of investment options and significant tax benefits, it stands out as an excellent tool for those who want to take control of their retirement savings. However, it's crucial to navigate the investment landscape wisely, considering the associated risks and ensuring your strategy aligns with your retirement goals. Contact us today for more information.

Note: This page is for information purposes only and should not be considered as financial advice. Always consult an Independent Financial Adviser for personalised financial advice tailored to your individual circumstances.

Our Retirement Planning Process

1. Discovery

Begin your retirement journey with a comprehensive discovery session. We'll explore your retirement goals, financial situation, and any unique considerations that will shape your personalized plan.

2. Customised Planning

Based on the information gathered, we craft a customized retirement plan tailored to your specific needs. This includes investment strategies, income projections, and a timeline to help you achieve your retirement goals.

3. Implementation

Once the plan is approved, we put it into action. Our team manages the implementation of your retirement strategy, making adjustments as needed to align with changing market conditions and life circumstances.

4. Regular Review and Adjustments

Retirement planning is an ongoing process. We conduct regular reviews to ensure your plan remains aligned with your goals. Adjustments are made as necessary to accommodate changes in the market, legislation, or your personal situation.

Ready to Craft Your Ideal Retirement?

Whether you're just beginning to plan for retirement or seeking to optimise your current strategy, Lionbridge Wealth is here to guide you. Contact us today to schedule a consultation with our retirement planning experts. Let's work together to ensure your retirement is a fulfilling and financially secure chapter of your life.

Contact Us

At Lionbridge Wealth, we understand the importance of personalised financial planning. Whether you're looking to secure your financial legacy, optimize investments, or explore tailored mortgage solutions, our team of dedicated experts is here to guide you. Take the first step towards a brighter financial future by scheduling a consultation meeting with Lionbridge Wealth.

We invite you to reach out today to discuss your goals, explore our comprehensive financial services, and embark on a journey towards financial success. Let's shape your dreams into achievable milestones—contact us now to schedule your personalized consultation.