The INFORMED overview

A pension is one of the most tax-efficient ways of saving for retirement. The self-invested pension plan, known as a SIPP, gives all the benefits as well as allowing you to be in control of your investment strategy and funding. INFORMED can help you set it up and make the investments you choose when you set up your SIPP.

SIPPs – The key benefits

  • Same benefits as a traditional pension
  • You choose the investments
  • INFORMED can help you set up a SIPP
  • The information to make the best investments

How a SIPP works

As a pension a SIPP offers the same tax -relief on contributions of up to 45% tax relief with no capital gains tax or further income tax to pay.
Of course the tax benefits will depend on your circumstances and tax rules are subject to change by the government.
Traditional pensions typically limit investment choice to a list of funds, a SIPP lets you make the investment choice form the full range of permitted investments.

Tax

When you make a pension contribution, 20% basic rate tax relief is automatically added by the government.
As an example if you invest £8,000, the government adds£2,000 (20%) tax relief, increasing your total contribution to £10,000.
If you pay tax at 40% or 45%, you can get back the full amount through your tax return

On Retirement

When you retire which can normally be from the age of 55 and wish to withdraw funds from your SIPP normally you take up to 25% tax free cash. The balance is then made available to provide you with an income.
INFORMED are experts in setting up SIPPs. We will work with you to have the right SIPP provider with investments for you.

By creating your own pension scheme you can be in more control of its performance.
Of course our first meeting leaves you with no obligation or cost. We look forward to helping you to become informed.

Make your first step towards getting in touch

Simply call 01628 638822 or just use the reply email.

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