Capital Growth Solutions

I SIPP - International Self-Invested Personal Pension

Our partners The Premier Group are delighted to announce the launch of the Premier Group/Hornbuckle Mitchell I-SIPP.

The I-SIPP is designed for those individuals who

  • Have paid-up Personal Pensions
  • Have retained benefits in Final Salary, Money Purchase or Group Personal Pension schemes
  • Have fund levels approaching the Lifetime Allowance
  • Are unhappy with current investment performance
  • Are unhappy with non-transparent charges
  • Are unhappy with fund-based charges suppressing fund growth
  • Would like to invest in commercial property
  • Have a portfolio of different pension types which require consolidation
  • Have high cash entitlements
  • Want lower charges

The underlying aim is for personal pension holders to take control of their investment decisions.

Let your I-SIPP take back control of your pension

  • Use an I-SIPP to hold existing
  • Personal Pensions
  • SIPPs
  • Money Purchase company benefits
  • Final salary company benefits

One Personal Pension for all previous pension entitlements

  • Benefit from NEW rules designed to encourage pension planning
  • Bring all pensions created throughout life into one plan
  • Unify retirement age
  • Review costs and benefit from a single structure
  • Understand the options available
  • Have all existing pensions plans working together

Income Flexibility

  • Take benefits from age 50
  • Cash at 25%
  • No need to take income every year - annual minimum "nil"
  • No need to buy an annuity - ever
  • Take what you need annually
  • Cash from and expected early access to Protected Rights
  • Receive benefits gross if living outside the UK (in some circumstances)

Succession Options

  • Create a family pension
  • Residual value not lost on death
  • Leave the pension pot to spouse, children, grandchildren etc.,
  • Specify how beneficiaries are to receive this valuable asset
  • Tax may be charged but never greater than IHT (in many instances less)
  • Pension "pot" passes in-tact in the event of death before benefits taken
  • Death in retirement (pre 75) pot available to anyone with 35% one off tax
  • Death after age 75 there is a tax charge of 40%

Investment control

  • Diversify - not restricted to one company’s investment funds
  • Make the structure as simple as you want it
  • Set your risk/reward
  • Understand the potential returns
  • Build benefits for you and your family