The great SIPPs revolution

 Professional advisers have witnessed impressive growth in self-invested personal pensions business since the concept first appeared. Provider innovation and regulation changes – SIPPs have been regulated by the Financial Conduct Authority since 2007 – have helped to bring them very much into the mainstream. They are not ideal for all, which is why we only accept fully advised applications, but many people appreciate the freedom and flexibility that SIPPs provide.

A SIPP, as all advisers know and the name clearly suggests, is a pension arrangement in which the individual has more control over where pension savings are invested than would be the case with a conventional scheme. This freedom to make investment choices from a wider range of options, and to vary them at any time should circumstances change, brings opportunities and risks.

The performance of some pension funds may be inhibited by restrictions on the types of assets they can hold. With a SIPP, investments can usually include insurance company bonds, government gilt-edged stock, quoted shares, overseas equities, unit trusts, investment trusts and cash deposits. A SIPP may, subject to personal circumstances, be a suitable vehicle for holding a proprietor's business premises.

With this extra choice and the prospect of enhanced returns comes the need for inexperienced investors to get professional advice to help avoid the hazards and pitfalls associated with assets that may carry a greater risk of price volatility or loss. This is why The Lifetime SIPP is not offered direct to investors but only through authorised financial advisers.  

Contributions to SIPPs benefit from tax relief in the same way as other pension savings. There are, of course, costs involved in providing and administering a SIPP, but with The Lifetime SIPP the fees are transparent and we keep them as low as we can. It is important that we do this as  a Professional Adviser may, of course, charge for the investment advice given in regard to a SIPP.

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If you would like details of an authorised financial adviser, please contact us on 0117 3169944. E-mail: All administration enquiries should be directed to our appointed administrators: Hartley SAS Ltd on 0117 316 9991, e-mail:

The Lifetime SIPP is issued and managed by The Lifetime SIPP Company Ltd, 8th Floor, 25 Marsh Street, Bristol BS1 4AQ. VAT registration number: 567 7892 69. Registered in England Wales No. 2455807. Registered address: 8th Floor, 25 Marsh Street, Bristol BS1 4AQ.

The information contained in this website is based on our understanding of tax law and practice as at 5th March 2015, which can be subject to change without notice. Nothing in this website is to be considered as giving individual investment advice.

Authorised and regulated by the Financial Conduct Authority and entered in their register at under reference number 464526. The FCA does not regulate commercial property.

Ian Robert and Ryan Davies of Kingston Smith & Partners LLP were appointed Joint Administrators of The Lifetime SIPP Company Limited ("The Company") on 29 March 2018.  The affairs, business and property of the Company are being managed by the Administrators who act as agents of the Company and without personal liability.