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2027 Inheritance Tax Changes
We are required to issue key features illustrations to customers when they set up their SIPP, transfer money in or make new contributions. We also provide illustrations when customers start to take money from their SIPP.
These documents are intended to make it easy for customers to understand the costs and charges on their SIPP, as well as what they might get back from it in the future.
These documents include a lot of information; over the last few weeks we have been introducing improvements to the format of the illustrations and have received a lot of positive feedback. There are some further changes planned for next week, which will provide a more in depth description of our fees, aligned to our Schedule of Fees, which should provide additional understanding for customers.
Please contact us if you would like to know more about these changes, or if you have any feedback on them.
July 29th, 2025
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.
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