Investment flexibility

We do not operate panels of investment houses members must select from. Therefore, you can work with the most suitable discretionary fund manager, platform, stockbroker or bank that meets your client’s requirements. More information about how the flexibility and cost effectiveness of the IPM SIPP can benefit you and your clients can be found here.

In 2014 the Financial Conduct Authority (FCA) issued guidelines which impacted the type of investments which can be held in SIPPs. Investment structures were split into two categories:  standard and non-standard assets. A list of standard assets was published, details of which can be found below. In general, we are able to accommodate all investment requests into standard assets, subject to the completion of our internal due diligence:

  • Bank account deposits
  • Cash
  • Cash funds
  • Corporate bonds
  • Exchange traded commodities
  • Government and local authority bonds and other fixed interest stocks
  • Physical gold bullion
  • Investment notes (structured products)
  • Shares in investment trusts
  • Managed pension funds
  • National Savings and Investment (NS&I) products
  • Permanent interest-bearing shares (PIBS)
  • Real estate investment trusts (REITs)
  • Shares listed on the London Stock Exchange (LSE), the Alternative Investment Market (AIM) or a recognised overseas investment exchange
  • UK commercial property including agricultural land
  • Units in regulated collective investment schemes

We will continue to consider investments that do not appear on this list, known as non-standard assets. However, these will be subject to a thorough due diligence process. As a result of this process, we reserve the right to not proceed with a requested investment.

Please note that in certain circumstances investments originally deemed as standard assets by the FCA could be subsequently deemed as non-standard. In this scenario, we reserve the right to either carry out further due diligence or not proceed with the investment. We levy additional fees for assessing and holding non-standard investments.

Please contact us for further information about our fees for non-standard assets or if you have any queries about whether a specific investment is acceptable within the IPM SIPP.

Please note: I.P.M. SIPP Administration Limited cannot provide any advice in regard to investments or their suitability. Independent financial advice should be sought before a client makes any investment within their IPM SIPP.

Due
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What do advisers say about IPM?

I have spent several years searching for a SIPP provider who truly holds my clients interests at the heart of everything they do, and a few years ago, following detailed research, I came across IPM. I have found IPM. to be so consistent in their high standards of service, to me and ultimately my clients, that I find it difficult to suggest clients go elsewhere. In our highly regulated environment it is a pleasure to deal with a company who holds service, client values, and common sense at the heart of everything they do. In terms of support to me, nothing is too troublesome, a non-standard case, understanding and implementation of new legislation and specific impact upon specific client planning objectives. They are a trustworthy source of knowledge, and one who I value having a very strong working relationship with. I’m so very pleased my research led me to their door, I couldn’t ask for better for my clients or myself.

Carrie Churchouse, Director and Chartered Financial Planner
Athena Wealth Planning Limited

I have had the pleasure of dealing IPM now for a number of years. They are a rare company in this day and age in that if they say something will be done within a certain time frame it is always done. The ability to speak directly to the staff dealing with your clients is invaluable and the knowledge and service from the staff is excellent. I have no hesitation in recommending them to our clients as SIPP providers and have 100% confidence that the service will be excellent.

Paul Jameson, Independent Financial Adviser
Throgmorton Capital Management Ltd

IPM has been my first choice SIPP provider for over 10 years and they provide me with all the technical support and flexibility I need to enhance the service I offer to my clients. Knowing that IPM only offer SIPPs is a great comfort to me as I can rely on the fact they are specialists in their field. Two things differentiate SIPP providers; cost and service. The IPM fee structure is transparent and good value and I have always found the service offered to be friendly, professional and approachable.

Terry Weston, Director
Spectrum Financial Services Limited

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Whether it’s a question about a specific client or SIPPs in general, we are here to help. Call us on 01438 747 151, email info@ipm-pensions.co.uk or complete the form below: