Horrific stories in the press of people loosing their pension fund after saving for 40 years has rightly caused disillusionment with the pension industry. However, the need to save to provide an income in later life has never been greater.
With a Harsant SIPP you can transfer funds from previous pension arrangements, pool the benefits and take personal control of where your money is invested.
| Transparency |
You can see where your money is invested. You can see the costs and the returns; consequently you have the ability to react. Harsants annual fees are fixed. They are not a percentage of your fund nor do we take commission on your investments.
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| Flexibility |
The Harsant SIPP is far more dynamic than traditional retirement planning arrangements. You are not restricted to insured funds and have a wide range of investment opportunities with the ability to move investments if you decide the performance is poor or could be bettered.
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| Control |
You are the Trustee of your own scheme – it's yours for life, no matter where you are employed or even if you are not employed or self-employed. If you change job you can join the company scheme and still have your own SIPP, or your new employer can make contributions to your SIPP.
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| Choice |
Contributions -No need to make regular contributions, invest as and when you can. Tax relief on 100% of taxable salary, up to £215,000, in the financial year 2006/07.
Investments – Greater diverstity with the opportunity to purchase commercial property and buy to let. Receive advise to suit your personal circumstances from an investment manager.
Income – from age 55 (50 before 2010) there are so many options to suit your personal needs e.g;
Continue to work and draw funds from the SIPP.
Take up to 25% tax free cash and leave the remainder invested.
The choice of purchasing an annuity or continuing to draw directly from the SIPP
Year on year decide on the level of drawdown (within HMRC guidelines)
Beneficiaries – The ability to leave unused funds to relatives, friends and your favourite charity.*
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