What is SIPP?:
A self-invested personal pension (SIPP) is a type of tax-efficient personal pension that gives you control of your retirement savings. You have the ability to choose your investments, how much to top up and when you would like to invest.

You may want to consider a SIPP if
* You want to start saving towards your retirement
* You want to consolidate your existing pensions into one easy-to-manage account
* You are looking to make the most of pension tax relief.. The value of investments can fall as well as rise, and you could get back less than you invest.

Benefits of starting your own SIPP:
• Choice – You won’t be restricted to pension funds offered by any single pension provider, but instead can invest in a broad range of investments from a range of different providers
• Tax-efficient – Your returns from investments within a SIPP are protected from income tax, tax on dividends, inheritance tax and capital gains tax (CGT).
• Flexible drawdown – You can pick from a wide range of options when you take your pension benefits, including a cash lump sum, a flexible or fixed level of income – or you can combine multiple options.
• Tax-relief – You’ll receive tax relief at your marginal rate on an Annual Allowance, which for most people is £60,000 or 100% of your earnings, whichever is lower..

A SIPP may be right for you if you’re confident making your own investment decisions and managing your pension payments against the relevant allowances. Find out more about how SIPPs help save for retirement
Why choose the Brian Gale Holdings SIPP?:
• Expertise – our award winning SIPP (administered by AJ Bell) can automatically reclaim any basic rate tax relief you’re due on contributions and make income payments to you.
• Flexibility – Manage your SIPP on the go and find investment opportunities. You can top up in lump sums or set up a regular Direct Debit.
• Control – Choose from over 8000 investments for ultimate control, or leave the hard work to us by selecting one of our five Ready-made Investments.
• Consolidate – Transfer existing pensions into a Brian Gale Holdings SIPP and we’ll help you aggregate your pots.
• Support – Our UK based call centre is on hand to answer any queries or help when you need it.
• Interest – earn interest on your uninvested cash. Our current interest rates can be found here.

Invest in an award-winning SIPP The valuable tax benefits of a pension make it an important part of saving for your future. Choose to invest for your retirement with us on Smart Investor, voted Best SIPP Provider 2022 at the Shares Awards.
Fees: What are SIPP Fees
A simple annual customer account fee of 0.25% on investments up to £200,000 and 0.05% on investments above £200,000. In addition to the customer and transaction fees, these are Pension Account Administration charges if you currently have a Brian Gale Holdings SIPP. All SIPP accounts pay an AJ Bell Administration fee of £31.25 + VAT per quarter or part thereof (£125 + VAT p.a). This fee will be collected by Barclays and paid to AJ Bell. No part of this fee is kept by Brian Gale Holdings.