The Minerva SIPP can invest in a wider range of assets including Commercial Property and Land, on an individual or group basis. Any combination of permitted investments may be made within a Minerva SIPP including deposit accounts, DFM, open market Platform/Wrap accounts, Stockbroker accounts and Trustee Investment Plans, all held together within the same SIPP.

SIPP Lite is a lower cost option, for those that do not require multiple investment accounts, or access to Commercial Property and Land at outset. SIPP Lite members are restricted to a maximum of one investment account, to run alongside the default SIPP bank account. This investment account could be another bank account or ONE of the following: Stockbroker account, DFM, open market Platform/Wrap account or a Trustee Investment Plan. For individuals that require additional investments at a later date, including Commercial Property and Land, they can upgrade their SIPP Lite plan to a Minerva SIPP.

A Small Self-Administered Scheme (SSAS) is a type of UK Registered Pension Scheme. Each SSAS is governed by its own Trust Deed and Rules and is a separate legal entity to the Sponsoring Employer. The Sponsoring Employer establishes the SSAS and invites members to join. Any individual employed by the Sponsoring Employer (or a participating employer) may join the Scheme and all members are appointed as Trustees alongside the Professional Trustee. SSAS trustees have a very wide range of investment options, including the ability to make secured loans to the Sponsoring Employer of up to 50% of the net asset value of the scheme, subject to certain conditions.