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• Rowan Dartington SIPP Management

Rowan Dartington SIPP Management
The intelligent solution for your pension investments

Introduction

To achieve the retirement lifestyle you desire requires careful planning. The choice of pension arrangements available to the sophisticated investor is both broad and complex. Self Invested Personal Pensions (SIPPs) can be an important component to a balanced and flexible pension portfolio, allowing you an adaptable and tax-efficient way to invest for your retirement. Rowan Dartington can be your partner in this - ensuring your SIPP investments are managed in the optimum way to achieve your retirement planning objectives.

Rowan Dartington focuses purely on your investment management needs. This allows you to continue existing relationships with SIPP providers that you respect and trust. We will work together to ensure a complete service is provided.

What is a SIPP?

SIPPs were introduced in 1989. The objective was to allow people planning for their retirement greater control over their pension fund investments. Through a SIPP, individuals can invest in a wider range of investments than previously available through traditional insurance companies.

Eligible investments include equities - both domestic and foreign, gilts, investment trusts, unit trusts, OIECs, hedge funds, cash and commercial property (including land and forestry).

As well as giving access to a variety of investment vehicles not available through other types of pension plans, SIPPs also allow investors to control and re-organise their investments as they wish during the time they are invested.

Types of SIPP

What is less well known is that there are numerous types of SIPP, with not all types offered by every provider. One very flexible example is the family SIPP, to which all family members can contribute, thereby gaining economies of scale. This type of SIPP is increasingly popular, with families appreciating the opportunity to make their own investment choices and choose their mandate.

Similarly there are Group SIPPs, through which professionals such as partners of a firm can benefit from the SIPP advantages, whilst pooling resources for lower costs and greater investment scope. For larger pension funds, there are Small Self-Administered Schemes (SSAS), which are designed for a firm’s pension. As with SIPPs, the holders have much greater control of the pension assets than with a traditional pension scheme.

What are the benefits?

Another advantage of SIPPs is that at retirement you tend to have more flexibility on how you draw benefits. When you decide to take your retirement benefits, you have the option of going into drawdown (i.e. taking up to 25% of your fund as a tax free lump sum and drawing income from the remainder) as an alternative to buying an annuity. New drawdown options have become available in April 2011 and SIPPS are likely to be the products offering full flexibility.

Investments

In addition to listed investments and mutual funds, some SIPP providers will widen the net to include commercial property and private companies. However, illiquid investments must be approached with caution, and the relative risk/reward profiles should be fully explored with a pension adviser. Some pension providers specialise in particular investments, but investors should remember that usually, the wider the investment universe, the higher the charges.

The value of investments can fall as well as rise, is not guaranteed and you may get back less than the amount invested.

Past performance must not be viewed as an indication of future performance. The cost effectiveness of your SIPP may depend on a number of factors, including:

• The size of your SIPP in relation to initial and ongoing costs (including our charges, which may increase in future)
• The type of investments held;
• The frequency with which you deal; and
• The size of transactions undertaken

Setting the ultimate goals for your SIPP or SSASS

All the issues and questions surrounding retirement age(s), funding, legislative changes, and "what happens if?" can be answered and planned for. Even the unexpected can be catered for and managed, in conjunction with your pension adviser.

Switching manager

Switching manager could not be easier. If you would like to discuss switching your investment management to rowan Dartington, including the costs, just contact your most convenient Rowan Dartington office. You do not need to switch providers, just managers, in order to enjoy the benefits of Rowan Dartington’s broad experience.

What can Rowan Dartington do to help?

Rowan Dartington offer a bespoke, personal service founded on methodical and diligent research implemented by experienced professionals and is equipped with all the skills and experience needed to manage the full range of your SIPP investment on a Discretionary, Advisory or Execution Only basis. If you have the expertise to pick and choose investments, then you may want to subscribe to our non-managed services - either Execution Only or Advisory dealing. If, however, you would like a proactive management style we can offer both Advisory or Discretionary management, in the same way as your portfolio or ISA is managed.

We manage and advise on listed investments and mutual funds for pensions, and work closely with pension advisers who will advise on the structure, and on-going requirements and benefits. Exploring the possibilities a group SIPP or SSAS, as well as an individual SIPP, in the context of current pension allowances and rights, is vitally important, so that your pension is on track to meet your retirement goals. Independent pension advice is also essential, and we can point you in the right direction if you do not already have this.

We take the time to discuss your individual investment objectives with you in detail, so that we have a clear picture of what you want to achieve through your SIPP investments. Because Rowan Dartington is a fully independent broker, we have access to all SIPP-eligible stock market investments from ordinary shares to OEICs, unit trusts, investment trusts, ethical funds, overseas investments, gilts and bonds.

Our research identifies the best investment ideas for our clients and we place a great deal of emphasis on this analysis, dedicating ever more of our resources to analysing companies and markets. We aim to match your attitude to risk and your financial goals, as they evolve. SIPP rules allow you to alter the investments you hold at any time. This means you can take advantage of investment opportunities as they arise, and adjust your SIPP portfolio to reflect changes in your circumstances. Your Rowan Dartington Investment Executive can help you to develop a bespoke investment strategy which reflects your long-term aims and attitude to risk.

Where can I find out more?

Your local Rowan Dartington Investment Executive will be happy to speak to you about setting up a SIPP. Click here to contact your local branch.

If you would like pension transfer advice, please ask your Investment Executive who will give you more details.

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