window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'UA-106339334-1', { 'anonymize_ip': true });


contact us

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.




This website uses cookies. We use cookies to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. You consent to our cookies if you continue to use our website. Settings Ok

Tracking Cookies

We don't collect any personally identifiable data such as name, email address, or billing information, here is what we collect: - Time of visit, pages visited, and time spent on each page of the webpages -Referring site details (such as the URI a user came through to arrive at this site) -Type of web browser -Type of operating system (OS) -Flash version, JavaScript support, screen resolution, and screen color processing ability -Network location and Masked IP address[this keeps your IP anonymous as we only collect the country you are visiting from.


When you use our online chat tool, we do ask for basic personal information such as name, email and phone number for smooth communication, we don't share this information with any third parties except ZenDesk for analytics purposes, here is what we collect in case you provided it : -Name, email, phone, time of visit, pages visited, Network location and IP address