UNIVERSAL FINANCIAL ADVISERS OFFERING BROAD RANGE OF PRODUCTS

SIPP

A pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Information is based on our current understanding of taxation legislation and regulations. Any levels and bases of, and reliefs from taxation, are subject to change.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

What is a SIPP?

A Self Invested Personal Pension (SIPP) is a Registered Pension scheme under the terms of the Finance Act 2004.

SIPPs are designed for investors who want maximum control over their pension without being dependent on any one fund manager or insurance company. As such, a SIPP requires active management and a degree of investment expertise. Furthermore, the charges (levied by the SIPP manager) may be higher than for a personal pension or stakeholder plan.

Unlike a standard personal pension, a SIPP holder has a much wider choice of assets to invest in, each of which can be selected to meet the individual's personal circumstances and requirements.

Investments which can be held in a SIPP include:

UK and overseas equities
Unlisted shares
OEICs and unit trusts
Investment trusts
Property and land (but not most residential property) insurance bonds

It’s possible to use a SIPP to raise a mortgage to fund the purchase of commercial property, where the rental income paid into the SIPP either completely, or partially covers, the mortgage repayments and/or the property’s running costs.

Please note SIPPs are not suitable for everyone investing into a pension, we will conduct an assessment of your situation to determine suitability.

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CENTREFINANCE LTD
7 Kensington, Bishop Auckland, Co Durham, DL14 6HY

Tel: 01388 450222 - Fax: 01388 458818

Email: mail@centrefinance.co.uk

Registration details: Registration address as company address
Registration number: 4931297
Registered in: England & Wales

Centrefinance Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority.

Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the Financial Services register (www.fca.org.uk/register) under reference 440703 and 440718.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK

The FCA do not regulate National Savings products, personal and commercial loans, foreign mortgages, utilities, will writing and some forms of inheritance tax planning, buy to let mortgages and offshore funds.