Self Invested Personal Pension. Giving you control of your retirement funds through a wide range of investment choices.
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1 Self Invested Personal Pension Giving you control of your retirement funds through a wide range of investment choices.
2 Capability. On every level. We re self invested pension specialists. With over 30 years of experience we can give you control of your retirement funds through a wide range of investment choices and benefits. We believe in long-term relationships too. So when you sign up with us you ll work with one of our Pension Consultants and a skilled team of Pension Administrators. Our Pension Consultants average over 20 years self invested pension experience so they re experts at dealing with complex investments and transactions including property purchase. Our aim is simple. It s about using what we know to make your pension fund work to your best advantage, within the framework of the legislation. Over the next few pages we ll explain in some detail the background, operation and advantages of our Dentons Self Invested Personal Pension (SIPP). Rest assured, we ll be with you every step of the way.
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4 Choice and control.
5 Capability on every level. We have been delivering expertise in self-invested pensions since Our Dentons Self Invested Personal Pension (SIPP) is designed to meet your current and future requirements. It puts you in charge of investment decisions. The Dentons SIPP is a powerful investment vehicle. Because it s not linked to any particular fund manager or insurance company, you can choose the investments that best suit your personal circumstances subject to HM Revenue & Customs (HMRC) requirements. We ve established our SIPP under a Master Trust Deed and Rules, with a separate plan, in the form of an individual sub-trust, for each member. As a Member of your SIPP, you are automatically appointed as a co-trustee of your plan, together with our trustee company Denton & Co Trustees Ltd. All contributions and/or transfer payments are placed in this separate plan for your benefit and the sub-trust effectively ring-fences your SIPP s individual assets and liabilities. In addition, you can draw pension benefits from the assets of the plan indefinitely, meaning you do not need to purchase an annuity upon retirement. Key features include: Total flexibility on the frequency and payment of contributions Flexibility on the level and choice of investments The ability to select your own fund managers Early retirement irrespective of whether you remain at work, subject to a minimum age of 55 Penalty free transfers Staggered or phased retirement Capped/Flexible Drawdown no need to purchase an annuity Efficient administration Simple transparent fee structure Inheritance tax planning possibilities Significant tax advantages Under current legislation, our Dentons SIPP enjoys considerable tax benefits: Tax relief on permitted personal contributions at your highest marginal rate of Income Tax, subject to certain limits Investments are generally exempt from UK Income Tax and Capital Gains Tax (CGT) Employer s contributions may qualify for full tax relief as a business expense Lump sum benefits on death, before drawing, will normally be free from Inheritance Tax On retirement, tax free lump sum of up to 25% of the fund (limited to 25% of the Lifetime Allowance) The Dentons SIPP is a Registered Pension Scheme for the purposes of Section 150 Finance Act 2004.
6 Building your future. Capability on every level. We are commercial property SIPP experts.
7 There are many ways to contribute to your Dentons SIPP. We accept regular and one off payments from you and your employer. You can transfer benefits from previous pensions. The decision is yours. Contributions You and/or your employer can pay contributions into your SIPP. This can be on a regular basis, as one off contributions or a combination of both, or by in specie contributions. There is no specific requirement to contribute and you can pay at intervals that suit your personal circumstances. Contributions to all Registered Pension Schemes are subject to an Annual Allowance of 50,000. For tax year 2014/15 this will reduce to 40,000. You can make contributions in excess of this allowance but they will be subject to a charge if they cannot be accommodated by carry forward. There is no test against the Annual Allowance in the year in which you die. Your contributions in any tax year are restricted to the greater of: 3,600 gross or 100% of relevant UK earnings which are chargeable to Income Tax There is no limit on employer s contributions (subject to the Annual Allowance) but these are allowed for tax relief at the discretion of the local Inspector of Taxes. Three-year Carry Forward This allows you to carry forward any Annual Allowance that you have not used from the previous three tax years to the current year. You can only use up your Annual Allowance from previous years once you have exceeded your Annual Allowance for the current year. Any unused Annual Allowance will then be taken from the earliest year. To take advantage of this facility, you must have been a member of a Registered Pension Scheme in the year from which you carry forward any unused allowance. Your unused allowance contribution can be paid into a self-invested pension scheme even if your previous scheme was a personal pension or other registered pension scheme. Transfers in Our Dentons SIPP can accept transfers from other registered pension schemes. This means that if you have made pension provision in the past, or have accrued benefits under previous employers schemes, you can consolidate these within your Dentons SIPP. The potential advantages of transferring can be summarised as follows: Reduced administration costs Flexible death benefits Control over a wider range of investments The ability to defer the annuity purchase Capped/Flexible Drawdown and phased retirement If you don t want to disturb the investment within an existing plan it may be possible to transfer the assets in specie, i.e. in their existing form, without having to surrender the investments before transferring them.
8 Designed for you. Investments With the Dentons SIPP you are in full control. We make it easy for you to take advantage of a wide range of investment opportunities including stocks and shares, futures, unit trusts, commercial property and hedge funds. Examples of many permitted investments are shown below. However, we know that not everyone wants to adopt such an expansive approach. That s why the Dentons SIPP has also been designed to accommodate those with more straightforward investment strategies. You can simply choose to invest funds in a single portfolio with a pre-approved investment manager or platform. If this is your choice, a lower Annual Administration charge may apply. It s all about giving you the tools to decide how and where your funds are invested. Please note: The single portfolio version of the Dentons SIPP carries a lower Annual Administration Charge. The main types of investments available include: Stocks and shares quoted on the UK Stock Exchange, including securities on the Alternative Investment Market Stocks and shares quoted on a recognised overseas stock exchange Shares in open ended investment companies (OEICs) Futures and options traded through a recognised exchange Unit trusts and investment trusts Insurance company managed funds and unit linked funds Deposit accounts with any authorised financial institution Commercial property or land Second hand endowment policies via a recognised dealer FCA recognised offshore funds Trustee borrowing from an authorised institution Hedge funds Unquoted UK equities (subject to individual consideration) A number of investments are NOT accepted within our SIPP including: Commodities Residential property Loans to members or persons connected with a member Investments considered to be personal chattels Overseas unquoted equities Off-plan hotel rooms Carbon credits Cloud lending Please note: These lists are not definitive. If you ve got a specific investment in mind then please talk to us. We ll do what we can to make it happen.
9 With the funds in place it s time to think about investment. With the Dentons SIPP you can stick with a basic approach or adopt a more expansive strategy. You choose the level that s right for you. The investment process When we establish your Dentons SIPP we automatically open an individual interest bearing current account into which all contributions and/or transfers will be paid. This remains the default account but you can add other deposit accounts within your plan. Once the funds have cleared you have complete control over how they are invested. You may wish to appoint an investment manager to help advise you on a range of suitable investments or to carry out your instructions. All investments will be held in the names of the trustees of your SIPP. If you re investing in commercial property we can talk to your solicitor/ agent about the best way to acquire or lease the premises. If you have secured finance for the investment we can also talk with your lender to make sure everything runs smoothly. You can also select your own solicitor and surveyor, manage your own SIPP property or select a property management company of your choice. We ll even provide you with online access so you can see the most up to date valuations for all of your investments including details of contributions and transfers, benefits (where applicable) plus live links to certain platforms.
10 Flexible benefits. Time to draw from your pension? With the Dentons SIPP you re in control. Take a tax-free lump sum. Take amounts from different proportions at different times. We ll help you do it as tax-efficiently as possible. Retirement You can start taking benefits at any time after the age of 55, irrespective of whether or not you remain in employment. However, tax considerations may apply if benefits are deferred beyond the age of 75. When drawing benefits you can receive a tax-free lump sum of up to 25% of the fund (limited to 25% of the Lifetime Allowance). This is known as a pension commencement lump sum. The balance of the fund is then used to support your pension income, which can be paid directly from your SIPP (see Capped or Flexible Drawdown options opposite for more information). As a result, you do not need to purchase an annuity from an insurance company upon retirement. Phased retirement The flexibility of our Dentons SIPP means you can draw benefits from different proportions of your plan at different times. Each element of the plan will normally provide an amount of tax-free cash, with the balance providing pension income. While you take benefits from your SIPP it continues to benefit from a tax-sheltered environment. This means that there is no Capital Gains Tax on the growth within the SIPP and in most instances no income tax is payable on income received by it. Tax is deducted from your pension income under the PAYE system. Lifetime Allowance When your benefits come into payment they will be tested against a ceiling known as the Lifetime Allowance. Provided the value of all of your benefits from all Registered Pension schemes which are put into payment do not exceed the Lifetime Allowance there will be no additional tax charge. The Lifetime Allowance for tax year 2013/14 is 1.5 million. From 6 April 2014 this will reduce to 1.25 million. If your funds exceed this Lifetime Allowance, any excess paid will be subject to a tax charge, dependent upon your marginal rate of tax and method of payment. In certain circumstances, where you have opted to protect your fund, it is possible to secure a higher Lifetime Allowance. Individuals who do not have Enhanced, Primary or Fixed Protection (2012) may be able to register for Fixed Protection (2014). Individuals who apply for Fixed Protection 2014 will have a Lifetime Allowance fixed at 1.5 million. There are circumstances where protection can be lost.
11 Powerful features. Capped Drawdown This feature allows you to draw pension income direct from the funds held within your SIPP. The Government Actuary s Department (GAD) publishes tables which set the maximum annual pension income, and these equate approximately to the annuity which could be secured by your plan on the basis that there are no pension increases and no dependant s pension. There is no minimum annual pension income and you can vary the level of pension income you receive on an annual basis. The maximum annual pension income is reset every three years until you reach the age of 75 and every year thereafter. With Capped Drawdown you continue to control the underlying funds in your Dentons SIPP which remain invested and you have the flexibility to choose the best time to lock into annuity rates, if this is your chosen route. Flexible Drawdown By choosing this feature you can withdraw pension income at a greater rate than with Capped Drawdown but it is dependent upon you satisfying a Minimum Income Requirement (MIR). The following may be used to meet the MIR: Basic and Secondary State Pension incomes (SP2, SERPS) Lifetime Annuity resulting from benefits purchased from a Registered Pension Scheme Defined benefit (final salary) pension income Alternative income such as interest, rents, dividends or purchased life annuities may not be used to meet the MIR. From April 2011 the MIR was set at 20,000 per annum. This limit will be reviewed by HM Treasury at least every five years. If the MIR is met, you can draw sums from your Dentons SIPP at levels and times to suit your own circumstances. Income tax will be deducted from your payments as you receive them. You cannot move into Flexible Drawdown in a tax year in which contributions have been paid. Annuity purchase As stated previously, you no longer have to purchase an annuity. However, should you wish to do so, the benefits are determined at the time of purchase and will be paid for life. Your pension can be secured on a level basis or it can increase each year at a defined rate, e.g. at 3% or in line with inflation. You can also build in a spouse s/dependant s pension payable in the event of your death. The actual level of pension will depend upon your age, health and annuity rates at the time the annuity is purchased. Purchasing an annuity when benefits come into payment may still be worth considering because it would provide you with the satisfaction of having a pre-determined level of income. However, once the benefits have been secured they cannot be varied or the policy cancelled and the capital value of the fund may be lost on death.
12 We have over 2.2bn of assets under administration. Capability on every level.
13 Providing for others. It s hard to talk about death benefits. But it s reassuring to know that our families and those close to us will be fully supported when we re no longer here. With our Dentons SIPP there are plenty of options. Death before retirement In the event of your death before drawing benefits and before the age of 75, the whole of your plan including life cover up to the Lifetime Allowance can be paid out as a tax free lump sum to your spouse or nominated beneficiaries. Alternatively, you can elect for your spouse or dependants to receive a pension, which can either be secured through the purchase of an annuity or paid directly from the plan. Death after retirement In the event of your death once benefits have commenced, the survivors benefits will depend upon whether an annuity has been purchased or whether you were drawing pension from your SIPP. The benefits payable to your spouse under an annuity will depend upon whether a spouse s pension has been secured and whether any guarantee period was built into the policy when the annuity was purchased. If you have been drawing income from the plan then, on death, your spouse or dependants will have three options: A pension can be paid to your spouse/ dependants and the payment can come from your Dentons SIPP. Tax will be paid on the pension by the recipient at their marginal tax rate. The assets in your SIPP can be realised and used to purchase an annuity for your spouse/dependants straight away. Tax will be paid on the pension by the recipient at their marginal tax rate. The assets in your SIPP can be realised and the proceeds distributed to whomever you nominate, less tax at 55%. Should your spouse or dependants die while drawing pension from your Dentons SIPP, the remaining fund, less a tax charge of 55%, will be paid to their nominated beneficiaries.
14 Simple and transparent. With our Dentons SIPP there are no hidden surprises. We ve worked hard to develop a solution that s easy to understand and puts you in control at all times. Charges Our charging structure is fully transparent. It is explained in our Schedule of Services, a copy of which will be provided upon request. All of the fees will be deducted from your default bank account unless other arrangements are specifically agreed in writing. In addition to our charges, you may also incur investment management charges depending upon your investment strategy and the investment manager selected. elect to waive your cancellation rights in order, for example, to facilitate an urgent investment transaction. Please note: Additional cancellation rights apply to each transfer intended to be received by your SIPP. In accordance with FCA rules, you cannot waive the cancellation rights in respect of any transfer from any other registered pension scheme under any circumstances. During the 30-day transfer cancellation period you will not be able to invest transferred funds into illiquid assets. Cancellation rights You can cancel your Dentons SIPP within 30 days of the plan s inception. To do so, you need to provide written instruction to the Group Compliance Officer at the address shown on the back page. This should be posted on or before 30 days of the date of inception. While you can verbally advise the Group Compliance Officer of your wish to cancel, such a verbal notice must also be supported by a written instruction. We will repay any money you have paid into the plan, less any charges incurred in accordance with the Schedule of Services, up to the date of cancellation. During the cancellation period any funds held within the plan will be retained in the plan bank account unless you specifically Portability If your personal circumstances change then your SIPP can change with you. Thanks to its great flexibility you can change the level of contributions you make at any time and can continue to use it as your pension vehicle even if you change from being employed to self employed or vice versa. Alternatively, you can suspend contributions and recommence payments at a later date without any financial penalty. You can also continue to control the existing funds within your SIPP. If you re unhappy with your SIPP you are free to transfer the assets into another Registered Pension Scheme. All we ask is that you settle any fees before we start the transfer.
15 Fully compliant. We re authorised. We know the rules. We understand the legal framework. The Provider Legislation requires that a SIPP can only be established by a defined organisation known as a Provider. Dentons Pension Management Limited (Dentons) has been authorised by the Financial Conduct Authority to act in this capacity and operate as the Provider of the Dentons SIPP. Dentons Pension Management Limited also undertakes the day-to-day administration of the Dentons SIPP. SIPP Bank Account The default bank account for the Dentons SIPP is provided by Cater Allen. This account is an interest bearing cheque account offering instant access to the funds held. We are committed to paying a competitive rate of interest. Where the rate of interest allocated to the SIPP bank account is less than the rate of interest paid by the bank to Dentons (across all the accounts that Dentons has with the bank), then Dentons will retain the difference. Any sum retained will never exceed the interest received by the client. Additional accounts can be established within the SIPP on request. General information Dentons Pension Management Limited is Authorised and Regulated by the Financial Conduct Authority for the purposes of establishing, operating and winding-up personal pension plans. Details of this Authorisation can be confirmed through the FCA Register (Reference No ) at: or by telephoning This brochure contains a broad description of the main features of the Dentons SIPP. Full details are set out in the Master Trust Deed and Rules a copy of which will be provided on request. In the event of any conflict or dispute, the Master Trust Deed and Rules will override this brochure. If you have any queries regarding your Plan, our contact details are: Dentons Pension Management Ltd Sutton House Weyside Park Catteshall Lane Godalming Surrey, GU7 1XE Tel Fax enquiries@dentonspensions.co.uk In the event that you are not satisfied with any element of the services provided by us, you should write to the Compliance Officer at the above address or compliance-officer@dentonspensions.co.uk and your correspondence will be dealt with according to our Complaints Procedure. A copy of this will be given to you when we acknowledge receipt of your correspondence. If you are not satisfied with our reply to your complaint, you can refer the matter to either the Pension Ombudsman or to the Financial Ombudsman Service dependent upon the nature of your complaint. Where your unresolved complaint concerns the administration of your plan, you should refer the matter to the Pensions Ombudsman, an independent body that will adjudicate upon your complaint between you and us. Contact details are: The Pensions Ombudsman 11 Belgrave Road London SW1V 1RB Tel enquiries@pensions-ombudsman.org.uk Where your unresolved complaint concerns the marketing of the plan, you should refer the matter to the Financial Ombudsman Service which provides consumers with a free and independent service for the resolution of disputes with organisations that are authorised and regulated by the FCA. Contact details are: The Financial Ombudsman Service South Quay Plaza II 183 Marsh Wall London, E14 9SR Tel complaint.info@financialombudsman.org.uk A reference to either Ombudsman service will not affect your legal rights.
16 Dentons Pension Management Ltd Sutton House, Weyside Park Catteshall Lane, Godalming Surrey GU7 1XE T F E enquiries@dentonspensions.co.uk w Dentons Pension Management Limited, Denton & Co Trustees Limited and NTS Trustees Limited are registered in England & Wales under numbers , , and respectively. Registered Office at Sutton House, Weyside Park, Catteshall Lane, Godalming, Surrey, GU7 1XE. Dentons Pension Management Limited is authorised and regulated by the Financial Conduct Authority with the FCA register number VAT number for Dentons Pension Management Limited is DPM.SIPPBro.04.13
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