Contact Us | enquiries@rowanmoor.co.uk

Thank you for your patience and knowledge sharing, and offering your support.

Rowanmoor Family Pension Trust (Family SIPP)

Investments

A Rowanmoor Family Pension Trust (Family SIPP) aims to give you the most comprehensive range of investment choice available under current legislation. We will permit any asset provided:

  • the asset does not give rise to an unauthorised payment charge;
  • we can obtain satisfactory title to the asset;
  • ownership of the asset will not give rise to an unacceptable liability or risk.

We will provide guidance on administration requirements and the acceptability of assets in the scheme. Investments need to satisfy our requirements in relation to all the above factors to be acceptable as a scheme investment. If there are subsequent changes to legislation, which affect particular types of assets, making them an unacceptable investment, we reserve the right to disinvest existing assets.

The members are free to appoint the investment adviser of their choice to help take advantage of the wide range of investment opportunities open to them. Members have complete control over their investments, subject to the Trust Deed and Rules of the scheme, and may invest their funds independently under their own arrangement, or pool them with other scheme members under one or more common investment funds within the scheme. There is no limit to the number of common investment funds that may be established within the scheme. Members may choose whether or not they wish to participate in these funds, subject to the agreement of the member trustees and other members of the fund. Decisions relating to investments held in a common investment fund must be agreed unanimously by all members participating within the fund.

Instructions relating to investments for minors must be made by their parent or appointed legal guardian.

Please note that the list of investments is not exhaustive. If you are in any doubt whether an investment is acceptable or not, please always refer to us.

Investment Opportunities

  • Cash and deposits
  • Insured pension funds, including trustee investment plans (TIPs)
  • Traded endowment policies (TEPs)*
  • Unit trusts and onshore and offshore open ended investment companies (OEICs)
  • Investment trusts
  • Structured products
  • Equities, warrants and bonds quoted on the London stock exchange (including AIM) and ISDX Main Board
  • Equities, warrants and bonds quoted on recognised worldwide stock exchanges
  • Authorised collectives, platforms and investment portfolios
  • Hedge funds and other alternative investment funds*
  • Foreign exchange contracts*
  • Unquoted shares*
  • Commercial property, including overseas*
  • Hotels, prisons, care homes and public houses*
  • Hotel rooms, including overseas*
  • Forestry, woodland and agricultural land (UK only)*
  • Land, including land for development*
  • Secured loans to unconnected third parties*
  • Other ethical investments*
  • Gold bullion*
  • Intellectual property (including copyrights and patents)*

*Whilst these investment opportunities are eligible under legislation and regulatory requirements, we may perform additional due diligence on these investments before accepting them.

Unacceptable Investments

  • Residential property (including ground rent)
  • Secured or unsecured loans to connected third parties
  • Carbon credits
  • Tangible moveable property, including:
    Plant and machinery, wind turbines, solar panels, antiques, fine wine, furniture, jewellery and gemstones, oriental rugs, rare books and stamps, vintage cars, works of art, Krugerrands and yachts
  • Harvestable commodities and plantations
  • Landbanking
  • Life settlements
  • Exchange traded futures and options, contracts for difference (CFDs) and other derivatives

 

For investment in non-mainstream pooled investments (NMPIs) which include unregulated collective investment schemes (UCISs), we will require evidence that trustees are suitably informed, and are aware of the risks involved before we can proceed. This evidence must be in the form of a declaration completed by a suitably qualified professional, such as a stockbroker or financial adviser; other than the trustees. For more details please contact us.

There are no limitations on the sale or purchase of assets to or from member trustees or other connected parties but these transactions must be at arm’s length.

The trustees must be careful to ensure that the purchase or sale of any asset complies with the Trust Deed and Rules of the Family Pension Trust (Family SIPP). Whilst it is not essential for a Family Pension Trust, it is recommended that trustees agree a statement of investment principles and make investment decisions in accordance with those principles. A statement of investment principles should include the:

  • objectives of scheme;
  • policy for choosing investments;
  • type of investments to be held;
  • balance of different investments;
  • risk associated with the investments;
  • expected returns;
  • policy for realisation of investments.

For further information on Family Pension Trust (Family SIPP) property investment and borrowing to invest please visit our Family Pension Trust literature library.

This information relates to the Rowanmoor Family Pension Trust (Family SIPP). If you are in any doubt whether an investment is acceptable or not, or if you have specific questions regarding the information provided on this page, please contact us, email us or write to us via the enquiry box on the right hand side.

PrintShare Twitter LinkedIn
Shrink

Ask a question.

You can send your questions to us here. This facility is NOT secure, please do not give investment instructions, or send confidential messages.


By subscribing to etalk, you agree to receive product and service information from Rowanmoor Group via email. You can unsubscribe or update your personal details at any time. For further information on how we hold and use your details please read our Privacy and Data Protection Policy and Legal Notices.

Privacy and Data Protection Policy