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Rowanmoor continues to allow non-standard investments

The withdrawal of James Hay from the non-standard investment arena marks a significant shift in the SIPP landscape and further widens the gap between platform SIPPs and bespoke SIPPs. The FCA’s capital adequacy requirements for SIPP operators, which came into play in September 2016, has clearly influenced the direction for many SIPP operators, but for James Hay, reduced demand and diminishing risk appetite was cited for their decision.

Complex assets remain central to the investment portfolio structure for some individuals and with longstanding experience in this area this is a market in which we have committed to operate long-term. Rowanmoor, as a bespoke provider, will continue to facilitate holding non-standard investments within its SIPP, SSAS and Family Pension Trust products, as we believe that the opportunity to create a diverse portfolio is a choice that should be available to the more affluent, sophisticated investor.

A contraction in the number of bespoke SIPP providers in the market leaves such investors fewer choices of SIPP operator through which to invest in non-standard investments but it remains vital that those individuals are not only appropriately advised, but that their advisers approach a provider with the experience and expertise to provide such a service and with a fully diverse proposition. That provider may not necessarily be the cheapest but they will have a proper understanding of the asset types on offer, and employ the appropriate risk controls.

Non-standard investments, which can include commercial property assets, need strong technical and investment competence to control and administer. Advisers and clients should actively seek assurance from their providers that appropriate regulatory capital and stringent due diligence measures are in place and that they have a commitment to this investment class.

With a shrinking market there will be opportunities for bespoke providers to carve more of a niche in their specialist fields and for advisers looking for a wide-ranging choice of investments and products that can accommodate their clients’ specific needs. Rowanmoor, as part of the Embark Group, is favourably placed to meet those needs.

If you have any queries about our products and associated investment options, please contact us.

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