Alliance Trust Savings Limited

Select SIPP | Child SIPP | Full SIPP

Full SIPP

The Alliance Trust Savings Full SIPP is an extremely flexible self-invested personal pension which allows investment in all areas permitted by HM Revenue & Customs, from equities to commercial property

Key benefits at a glance:

•	Full HM Revenue & Customs permitted investment choice
•	The Full SIPP is not tied to any fund manager or insurance company
•	Allows borrowing in line with HMRC restrictions, which are currently 50% of the net value of the pension fund for any investment purpose
•	Benefits paid via income drawdown, with the option to obtain benefits on a phased basis
•	Contributions accepted from employers, employees/directors, the self-employed and even those without earnings
•	Receive transfer values from most other pension arrangements
•	No duplication of the charges of any appointed investment manager
•	Member-agreed Adviser Remuneration paid directly from the fund by way of a simple process

Who can apply for a Full SIPP?
You can open a Full SIPP at any age from 18, but you can only make contributions and claim tax relief up to age 75.

To open an Account, make personal contributions and claim tax relief on these, you must meet certain residency and earnings tests.

If you do not have UK earnings, you can still contribute to your Full SIPP, but there may be restrictions on the amount of tax relief you can claim.

For full details on how you can apply for a Full SIPP click here.

Risk Warnings
Please remember the value of investments and any income from them can go up or down and you may not get back the amount you invested. All investments carry an element of risk which may differ significantly and if you are unsure as to the suitability of any particular investments, you should seek professional financial advice.

You should remember that the amount of tax relief depends on your individual circumstances and that the beneficial tax treatment of SIPPs may not continue in the future.

See Also
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Full SIPP Literature
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Investment Choice
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Interest Rates Table
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How to Apply
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Important Information
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Order Handling Policy
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Conflicts of Interest Policy
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Alliance Trust Savings Limited is registered in Scotland No. SC 98767, registered office, PO Box 164, Meadow House, 64 Reform Street, Dundee DD1 9YP; is authorised and regulated by the Financial Services Authority whose address is 25 The North Colonnade, Canary Wharf, London E14 5HS firm reference number 116115; gives no financial or investment advice.