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Our pension schemes are designed for UK resident individuals, looking for the extra flexibility that SIPP and SSAS schemes can offer. We operate a flat rate fee structure, and review fees from time to time; other pension plans may be more suitable for you, particularly if they offer the same investment options at a lower cost.
You can find out more about SIPP and SSAS arrangements via the links below. Note that we do not provide financial advice.
If you have any queries about the information on this site and want to get in touch to ask a question then please contact us on 01228 538 988. We do not provide financial advice, but if you have a specific question of a technical or practical nature then we will do our best to answer it, without giving advice. For details of financial advisers in your area, you can use a service like www.unbiased.co.uk.
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.
We have been operating in these markets for over 20 years. The SSAS business was formed in 1997, and in 2003 we launched our flagship product, the Minerva SIPP. The range is completed by SIPP Lite, which has been available since July 2012.Read More