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Designed for clients.

 

Once the funds are in place, it's time to think about investment. Whether it's a basic approach or more expansive strategy, we take pride in putting clients in control.

A principal feature of our self invested pension plans is the flexibility they provide when it comes to investment options. An extensive range of opportunities is listed below.

The Dentons SIPP has been designed to also accommodate clients with more straightforward investment strategies. They can simply choose to invest funds within the default instant access bank account and any single portfolio with a discretionary fund manager, fund supermarket or platform. Where only a single portfolio is used, a lower Annual Administration charge will apply.

A minimum fund value of £50,000 is required.

Standard assets.

We consider the following investments to fall under the category of 'standard'. A minimum fund value of £50,000 is required.

Funds and Equities

  • Stocks and shares listed or dealt in on any HM Revenue & Customs (HMRC) recognised stock exchange, including:
    • equities
    • fixed interest securities issued by governments or other bodies
    • debenture stock and other loan stock
    • warrants (for equities)
    • permanent interest bearing shares
    • convertible securities
  • Alternative Investment Market (AIM): we treat AIM stocks in the same way as for unquoted equities
  • Equities traded on a recognised overseas stock exchange
  • Offshore funds recognised by the Financial Conduct Authority (FCA)
  • Corporate bonds quoted on a recognised Stock Exchange
  • Trustee investment bonds
  • Authorised unit trusts that do not hold residential property
  • Shares in investment trusts
  • Authorised Open Ended Investment Companies (OEICS)

Please view a list of some pre-approved investment managers.

Property

 

UK commercial property (including land, whether development land, farmland or forestry). More complex arrangements include where there are multi-participants and/or where a mortgage is required. Our Commercial Property Questionnaire will need to be completed in all cases.

Deposit accounts

  • Deposit accounts with any authorised financial institution

Borrowing

  • Borrowing can be taken out by the pension scheme trustees to help buy a permitted asset provided it is on commercial terms and within HMRC limits. Borrowing is limited to 50% of the SIPP or SSAS fund value.

Other

  • Endowment policies traded by a person regulated by the FCA (traded endowment policies or TEPs)
  • Depositary Interests (including CREST Depositary Interests)
  • Individual Pension Accounts (IPAs)
  • Insurance company managed funds and unit-linked funds
  • Real estate investment trusts (REITs)
  • Exchange Traded Funds (ETFs)
  • Investment Grade gold bullion (subject to conditions)
  • National Savings and Investments products (NS&I).

Non-standard assets.

Dentons has a very robust due diligence process for the acceptance of all non-standard assets.

Please click on the link below, complete and submit to Dentons the relevant form or supply the information as outlined below.

The following assets will require comprehensive information in order to assess whether or not it is an acceptable asset and if any conditions need to apply.

  • Property syndicates
  • Hedge funds* ^
  • Commercial loans to UK limited companies (secured)*
  • Unregulated collective investment schemes (UCIS)* ^
  • Loans to a sponsoring employer*

The investments outlined below are subject to a maximum holding of up to 50% of the SIPP fund value:

  • Unquoted UK equities*
  • Commercial loans to UK limited companies (unsecured)*
  • Intellectual property*
  • Futures^
  • Warrants^ - including both 'put' and 'call'
  • Contracts for difference (CFD)^**
  • Foreign exchange (FX) - including FX spot and FX forward^**

^ For these investments you must be able to evidence that you are a sophisticated investor or high net worth individual by completing and returning our relevant form.
** We will only accept FX and CFD broking accounts if they are a balanced holding as part of a collective investment scheme or a portoflio with an FCA regulated discfretionary fund manager, which has been approved by Dentons.

Please note:

* Please read the investment guidance then complete and return the investment questionnaire 
 

 

Unacceptable assets.

Although we always aim to be as flexible as possible enabling clients to take advantage of a wide range of investment opportunities, there are some investments that we do not accept within our SIPP:

  • Any taxable property - defined by HMRC as residential property and tangible moveable property (including personal chattels)
  • Commodities
  • Overseas unquoted equities
  • Off-plan hotel rooms
  • Bed & Breakfast units
  • Loans to members or persons connected with a member
  • Investments considered to be personal chattels
  • Carbon credits
  • Cloud lending
  • Land banking
  • Storage pods
  • Individual hotel rooms
  • Individual CFD and FX accounts.

Please note: This is not a definitive list. If you have a specific investment in mind then please talk to us. We'll do what we can to make it happen. All non standard investments are considered on a case by case basis, however if any are declined we will always give a clear explanation as to why.

If you have any queries as to whether Dentons will accept an investment, please contact us.

01483 521521