Account options

Self-Invested Personal Pension

Create more opportunities for your retirement by saving more with a SIPP. Annual tax-relievable contribution allowance of up to £40,000.

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The benefits of our Self-Invested Personal Pension

Generous allowance

Contribute up to your annual tax-free allowance from pre-tax earnings (depends on total earnings for the tax year and whether or not you have already drawn any taxable retirement benefits).

Tax relief

The government will top up your contribution with 20% basic rate tax relief. Higher-rate and additional-rate taxpayers may claim up to a further 20% and 25% respectively back through their tax return.*

Tax efficient

You won’t pay capital gains tax on any profits and there’s no tax on dividends from shares or the income earned on bonds.

Take control

You can choose the investment approach and how you’d like to contribute, with flexible options that allow you to decide how you want to take your benefits at retirement.

Our SIPP is ideal for

Accessing your money when you’re retired

Start drawing money from your SIPP from the age of 55. If you need access to your money before that, you may want to consider a Stocks & Shares ISA instead.

Growing your pension pot

Create opportunities for your retirement by saving more into your pension. This could allow you to stop working earlier or travel to those destinations you always dreamed of.

Saving tax

Receive up to 45% tax relief when you make a personal contribution to a SIPP, with 20% paid by the HMRC to the pension and any higher and additional rate tax relief reclaimable via your tax return.

Getting pensions advice

The details surrounding pension rules are complex. Careful financial planning combined with our expert knowledge can help you manage your affairs as tax-efficiently as possible. Take a look at our services to ensure you have enough money to have the retirement you want.

Pension decumulation

What sort of retirement can I afford?

When thinking about how to draw an income from your retirement savings, professional advice can make sure you take the right decisions for you and your family.

Pension accumulation

Will I have enough for the retirement I want?

When it comes to planning your retirement, you can’t afford to leave anything to chance. We’ll help you take control, so you have financial security and flexibility over when and how you retire.

Financial Planning Service

A carefully designed financial plan can give you the freedom to do even more of the things you want to do – and maybe even things you never thought possible.

Latest insights

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How would you like to manage your investments?

We have a wide range of investment services, offering you the flexibility to be as involved as much or as little as your like.

Direct Investment Service

I would like to manage my own investments

Invest with confidence using our first-class service to implement your investment decisions, through our secure platform and app.

  • You will have access to our platform and dealers to make your investment decisions.
  • You can construct your investment portfolio from a wide range of investments, from stocks & shares, funds, ETFs and more.
  • Our low service fee is a maximum 0.35%, with savings available through our loyalty programme.
  • No minimum investment.
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Bespoke Investment Service

I would like a professional to manage my investments for me

Entrust a dedicated expert to make investment decisions on your behalf.

  • You’ll have direct contact with your investment manager, speaking directly to the person responsible for your portfolio.
  • We’ll construct a portfolio based on your personal circumstances, investment objectives and risk appetite.
  • We can accommodate your investment preferences, such as responsible and ESG investing; also allowing you to hold your cherished holdings.
  • Minimum investment £200,000.
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Advisory Investment Service

I would like advice on my investments from a professional

Get support from our experts when choosing your investments choosing either Advisory Managed or Advisory Dealing.

  • You’ll take responsibility for your portfolio with as much or as little support from us as you want.
  • We’ll provide advise on your investments based on your personal circumstances, investment objectives and risk appetite.
  • We can accommodate your investment preferences, such as responsible and ESG investing; also allowing you to hold your cherished holdings.
  • Minimum investment £200,000.
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Frequently asked questions

*Tax relief for Scottish taxpayers differs from the rest of the UK.

Charles Stanley is not a tax adviser. Information contained within this page is based on our understanding of current HMRC legislation. Tax reliefs and allowances are those currently applying and the levels and bases of taxation can change. Tax treatment depends on the individual circumstances of each person or entity and may be subject to change in the future. If you are in any doubt, you should seek professional tax advice.

The tax treatment of pensions depends on individual circumstances and may be subject to change in future. It is always recommended that you seek advice from a suitably qualified investment professional if you have any doubt as to the suitability of a pension and/or the underlying investments. You should be aware that Stakeholder Pension Schemes are generally available and might meet your needs as well as a SIPP. Please remember the value of investments may fall as well as rise and your capital is at risk.

Other account options

Choose from our range of accounts, to ensure you make the most of your tax allowances or exemptions, whilst making sure you can access your money when you need it.

Account options

Stocks & Shares ISA

Make your savings work harder with our flexible ISA. Shelter up to £20,000 per tax year.

Account options

Junior Stocks & Shares ISA

Give your children a financial head start with our JISA. Shelter up to £9,000 per tax year.

Account options

Investment Account

Start investing today with a wide range of funds and shares or transfer and consolidate any existing holdings.

Request a call back

Contact us today to discuss how our wide range of services can help you.

0207 739 8200 (Open Mon-Fri, 9am-5pm)

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