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.

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

Standard assets.

We consider the following investments to fall under the category of 'standard'.

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 entities
    • debenture stock and other loan stock
    • permanent interest bearing shares
    • convertible securities
  • Alternative Investment Market (AIM)*
  • 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).

*Although the AIM market is not regarded as a recognised stock exchange, we treat AIM listed shares as a standard asset and therefore there is no restriction on the amount that can be held. However, before we will accept AIM shares within our schemes, they must be referred to our Technical Manager for approval.

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


  • 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 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.


  • endowment policies traded by a person regulated by the FCA (traded endowment policies or TEPs)
  • depositary Interests (including CREST Depositary Interests)
  • insurance company managed funds and unit-linked funds
  • real estate investment trusts (REITs)
  • Exchange Traded Funds (ETFs) (Legal Entity Identifiers may be required)
  • investment Grade gold bullion (subject to conditions)
  • National Savings and Investments products (NS&I).

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.

Non-standard assets.

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

For all non-standard assets, in addition to specific information requested below, you must complete one of the following declarations:

SIPP - Non-standard investment declaration
SSAS - Non-standard investment declaration

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:

  • hedge funds* ^
  • commercial loans to UK limited companies (secured)*
  • unregulated collective investment schemes (UCIS)* ^
  • property syndicates - please provide full prospectus and contract details.

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

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

^ For these investments you must be able to evidence that you are either a sophisticated investor/high net worth individual or an elective professional client as required by the relevant investment house. Please complete and return the relevant form before we carry out the relevant asset due diligence.




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 self invested products as they may give rise to tax penalties on clients and/or their Dentons SIPP or SSAS, or loss of protection:

  • taxable property - defined by HMRC as residential property and tangible moveable property (including personal chattels)
  • commodities
  • overseas commercial property and land
  • overseas unquoted equities
  • off-plan hotel developments
  • bed & breakfast units
  • loans to members or persons connected with a member
  • carbon credits
  • cloud lending
  • land banking
  • storage pods
  • individual hotel rooms
  • individual CFD and FX accounts
  • futures, warrants, options and binary options
  • cryptocurrency
  • litigation funding.


One step ahead.

With our self invested pension experience, we already have approved investment agreements with a large number of investment managers and trading platforms including the following. 

Please click on the logo for more information about each company.


Transact platform logo Cofunds platform logo
Ascentric platform logo
Nucleus platform logo Raymond James logo
Saxo Bank platform logo


Discretionary fund managers:


Bordier logo Brewin Dolphin logo
Brooks Macdonald logo Cazenove Capital Management logo 
Investec Wealth & Investment logo
J M Finn & Co logo Maseco logo
Octopus Investments logo Quartet Investment Managers logo
Rathbones logo
Saltus Fund Management logo
Vestra Wealth logo J O Hambro logo

All investment managers, stockbrokers and platforms are accepted at our discretion.