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A SIPP may provide more investment opportunities than you thought
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Many entrepreneurial clients are uncertain about whether they require a formal pension, after all, they know how to make money, and when they are older, they feel they can live comfortably from their investments and the assets from a business sale.
They also might feel that saving with an insurance company does not provide the high quality investment opportunities that they have become used to in their daily lives.
However, a formal pension scheme registered with HMRC provides valuable tax advantages regarding both contributions going in and benefits coming out on retirement or death. To combine these tax advantages with the investment opportunities within a SIPP is an opportunity that many good independent financial advisers will present to their clients. In the hands of an independent tax planner, a SIPP offers more opportunities than just better quality investments.
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Some of the more common uses of a Montpelier bespoke SIPP
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 Control your own investments
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Purchase alternative investments
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Purchase unquoted shares
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Group assets with family or business partners
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Use borrowing option for higher gearing
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Buy commercial property
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Avoid insurance company administration
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More specialist and tax efficient pension benefit options available
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Fits the entrepreneurial nature of business people
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Essentially a bespoke SIPP can be the most flexible use of pension funds
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You can normally invest your Montpelier SIPP funds in some or all of the following
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Quoted Stocks & Shares
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*Unquoted Shares
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Unit Trusts/OEICS
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Traded Endowments
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Trustee Investment Plans
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Contracts for Difference
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Gold Bullion
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Hedge Funds
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Real Estate Investment Trust (REIT)
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Genuinely Diverse Commerical Vehicles (GDCV)
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Commercial Property
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Others e.g. Intellectual Property Rights
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NB. HMRC impose conditions on some investments that could lead to tax charges. For example if you , together with a family member or a business party control a company it is unlikely that any of these shares can be placed within a SIPP.
*Investment in unquoted shares is considered on an individual basis
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