Signia Invest
Personal Pension (SIPP)

Open the door to a better retirement with a Self Invested Personal Pension

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When investing, your capital is at risk. Learn more about risk here

Features of the Signia SIPP

1

Strategy

At Signia we have created a number of ready made portfolios for you with different investment strategies to make it easy for you to select which investments best suit your needs. Simply choose a portfolio that matches your level of risk/return.
2

25% tax relief

Instantly increase the value of your pension with 25% tax relief - meaning every £1,000 invested in a pension is worth £1250 for a basic rate tax payer.
3

Flexible

Contribute to your pension when you want or set up regular payments. You are able to open a new SIPP or transfer an existing pension across - all done through our best in class platform technology.
4

Easy online access to your account

We make opening or transferring a pension as simple as possible and you can view or amend your pension with our straight-forward online account.
5

Cutting edge investment platform technology

It takes just minutes to set up your online account and invest through the Signia Invest SIPP.
6

Expertise

An award-winning team with expert analysts who continually monitor and adjust your chosen portfolio to deliver on targeted returns.

A SIPP may not be right for everyone and tax rules may change in the future.

Open The Signia Invest Pension (SIPP) – take control of your future

  • Ready made portfolios to match your appetite to risk
  • Managed by our awarding winning team

SIPPs can be an attractive home for existing pension pots currently tied up in other schemes.

If you’ve worked for several employers, you’re likely to have multiple pensions, and bringing them together may reduce fees and give access to better investment performance.

Why choose Signia Invest for your Pension?

Experience

With more than 180 years of industry experience amongst them, our team are experts in risk management, fund selection and derivative markets. Our aim is to develop and maintain trust, and that can only be achieved by meeting your expectations and delivering consistent performance.

Flexibility

To make saving easy we'll invest for you through a stocks and shares ISA, SIPP or General Investment Account set up to suit your tax preferences. If you are looking for a straightforward, low-cost way to invest and grow your money, then you don't need to look any further.

Easy Investing

We offer a choice of portfolios designed to give you one-stop access to markets. Simply select the investment strategy that suits your investment goals and attitude to risk.

Choose the right portfolio for you

  • Signia Invest enables you to tailor your choice of portfolio to match your investment goals and individual needs.

  • Flex amounts between the strategies, helping you cater for your short and long term needs at the same time.

Portfolios are a collection of investments and are run by our team of leading experts.

Choosing between the three Signia Invest Portfolios

Open The Signia Invest Pension (SIPP) – take control of your future

  • Ready made portfolios to match your appetite to risk
  • Managed by our awarding winning team

Risk Management

Most types of investment involve some form of risk. With Signia Invest our portfolios give you access to a variety of investment strategies each carrying a different risk weighting.  You’ll see a time horizon attached to each risk weighting, meaning shorter term options carry less risk whilst medium and longer term slightly more.

Each of these strategies are designed to take the least amount of risk possible for your desired return and time horizon. Their value and the value of any income generated from them may fall as well as rise.

Signia Invest combine experience with expertise and fresh thinking. We are experts in risk management. Our aim is to develop and maintain trust, and that can only be achieved by meeting your expectations and delivering consistent performance.

For full details visit our risk page

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Signia Invest SIPP FAQ

Full the full FAQ section on the Signia Invest ISA visit our dedicated FAQ page

What is a SIPP?

A Self-Invested Personal Pension or SIPP is a tax-efficient* investment vehicle through which you can invest in a wide range of UK and international investment products. A SIPP offers up to 45% tax relief* on contributions. Any investment gains that arise from your SIPP are free ** from income, dividend and capital gains tax
*HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
**Tax concessions are not guaranteed and may change in the future. Tax free means the investor pays no tax.

Can I change my mind?

Yes, you have a legal right to cancel the establishment of your SIPP, within 30 days of when you receive our welcome pack which contains a cancellation notice. Please note that any fees incurred during the time between the establishment of the SIPP and the cancellation will be borne by you. Similarly, any losses on investments are borne by you.

Can I transfer my existing pension to a Signia Invest SIPP?

In most cases, yes. We accept transfers in from HM Revenue and Customs recognised schemes. However, defined benefit schemes (e.g. final salary schemes) generally prevent transfers to a SIPP unless you have received personal advice from an adviser who is regulated by the Financial Conduct Authority who holds the appropriate pension transfer qualifications.

If the value of your transfer is £30,000 or above, the transfer must be on a fully advised basis by a suitably-qualified pensions specialist. Please contact us if you wish to transfer your existing pension to a Signia Invest SIPP.

Please note that, although we do not charge a fee to transfer your pension into a Signia Invest SIPP, your pension provider may charge you to transfer out of their scheme.

How much money can I contribute in a year and what tax relief* will I receive on contributions?

In most cases, yes. We accept transfers in from HM Revenue and Customs recognised schemes. However, defined benefit schemes (e.g. final salary schemes) generally prevent transfers to a SIPP unless you have received personal advice from an adviser who is regulated by the Financial Conduct Authority who holds the appropriate pension transfer qualifications.

If the value of your transfer is £30,000 or above, the transfer must be on a fully advised basis by a suitably-qualified pensions specialist. Please contact us if you wish to transfer your existing pension to a Signia Invest SIPP. Please note that, although we do not charge a fee to transfer your pension into a Signia Invest SIPP, your pension provider may charge you to transfer out of their scheme.

*HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen