Rowanmoor Pensions aims to give SIPP members the most comprehensive range of investment choice available under current legislation. This means we will permit any asset provided:
- it does not give rise to an unauthorised payment tax charge;
- we can obtain satisfactory title to the asset;
- ownership of the asset will not give rise to an unacceptable liability or risk, for example a legal, practical or environmental risk.
We will provide guidance on administration requirements and the acceptability of assets in the SIPP.
As Rowanmoor Pensions is the legal owner of all assets held for a SIPP member’s benefit under their SIPP, investments need to satisfy our requirements in relation to all the above factors to be acceptable as an investment in the SIPP. 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.
Please note that the list of investments provided is not exhaustive. Please always refer to Rowanmoor Pensions if you are in any doubt, or if your investment choice is not on the list.
| Investment Opportunities | Unacceptable Investments |
|---|---|
| Commercial property | Residential property (including ground rent) |
| Land | Loans to connected parties |
| Secured or unsecured loans to unconnected third parties | Plant and machinery |
| Unquoted shares | Property investment in Limited Liability Partnerships |
| Equities quoted on the London Stock Exchange | Antiques |
| Equities quoted on recognised worldwide stock exchanges | Rare books and stamps |
| Gilts, Bonds and Fixed Interest Stocks | Oriental rugs |
| Investment Trusts | Furniture |
| Unit Trusts and Open Ended Investment Companies | Fine wines |
| Insured pension funds | Works of art |
| Bank and Building Society deposits | Vintage cars |
| Offshore managed funds | Yachts |
| Futures and options | Jewellery and gemstones |
| Intellectual property (including copyrights and patents) | Krugerrands |
| Hedge funds | |
| Gold bullion |
Rowanmoor Pensions does not place any quoted investment directly. You will need to ensure any quoted investments are placed through, and held by, an appropriate investment manager.
Rowanmoor Pensions has partnership links with a number of providers offering investment services, such as stockbrokers, fund supermarkets and other investment platforms. Should you wish to take advantage of the special arrangements we have negotiated with our investment partners we will, upon request, establish accounts for you. We do not charge for this facility. For more information please visit SIPP Investment Partners.
You may use other companies not on our list of investment partners to make your quoted investments. If you choose this route there may be charges if they do not offer appropriate services approved by us. Any arrangement must be opened on a nominee basis with an associated deposit account.
If an investment is not available through an investment platform, we will be happy to make arrangements on your behalf. On receipt of investment instructions from you or your financial adviser, we will make the appropriate arrangements and transfer money from your SIPP bank account. Please just ask.
Rowanmoor Trustees Limited, as trustee, must be the sole named owner of all SIPP investments, with the exception of property, which will be co-owned with you.
Property may be purchased through your SIPP as an asset to provide retirement benefits. For further details on SIPP property purchase and borrowing to invest please visit the SIPP literature library.
This information relates to the Rowanmoor Pensions Self-Invested Personal Pension (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.
