IVCM HERITAGE SIPP

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The IVCM Heritage SIPP is a UK registered personal pension scheme. It allows the member, with help from their financial adviser, to choose their own investment strategy from a list of allowable investments, as permitted by Heritage Trustees Limited. A SIPP is one of the most tax efficient ways of saving for retirement as any investment growth is shielded from both income tax and capital gains tax. It can offer tax relief of up to 45% on contributions.

There is a maximum amount that can be contributed into the IVCM Heritage SIPP before incurring additional tax charges. This is dependent on how much you earn and where you are resident for tax purposes. This is called the Annual Allowance.

The Standard Lifetime Allowance is the limit on the amount of pension savings you can have without incurring additional tax when you take your benefits. If the value of your pension savings exceeds the lifetime allowance when you take your benefits, you may pay a tax charge on the excess. The Standard Lifetime Allowance is currently £1 million, however there may be instances where you can apply for an increased lifetime allowance.

The IVCM Heritage SIPP is a version of the Heritage SIPP, which is operated and administered by Heritage Pensions Limited who are authorised and regulated by the Financial Conduct Authority, registration number 475096. The asset trustee for the IVCM Heritage SIPP is Heritage Trustees Limited.

As a member of the IVCM Heritage SIPP you may be able to claim compensation from the Financial Services Compensation Scheme (FSCS) if the provider of one of your investments is declared in default or if Heritage Pensions Limited is declared in default.

IVCM HERITAGE SIPP

BENEFITS & REQUIREMENTS

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