Pension gold offers additional opportunities for gold investors to secure long-term financial security as well as benefitting from short term tax incentives. Since the Financial Conduct Authority added physical gold to its standard assets list in 2014, UK investors can now gain up to 45% income tax relief on gold with their SIPP pension schemes. This has opened up additional opportunities in ways to save for your pension with gold being seen as a safer way to save for retirement. With gold prices as they currently are, now is the perfect time to invest in pension gold. As market leading gold investment brokers, we are perfectly placed to source the best investment gold for your SIPP pension, on your behalf. Download our Pension Investment Instruction
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As experienced gold brokers, we have the widest choice of pension providers in the industry. Our significant purchasing power means we can obtain the best possible purchase price for your pension gold. Whatever the amount is that you’re looking to invest, our experienced team are here to manage the entire process on your behalf. Contact us today to discuss your requirements, whether you want to start your first pension, wish to switch your current pension, or simply add physical gold to your SIPP pension.
- Safest form of gold investment, with no counterparty risk
- Qualifies for your SIPP of SSAS
- Gold is stored in a leading, UK LBMA approved warehouse
- Gold bars are fully allocated and segregated
- Individual retail size bars provide ability to part-sell your holding
- Attracts up to 45% income tax relief
When you buy it as part of your pension, gold receives the same tax relief as other qualifying assets. That’s 45% off the price of gold for top rate taxpayers. And any price gains are sheltered from Capital Gains Tax. While portfolio management costs, on paper assets, have steadily escalated over the years, there are no such costs on gold bullion. Once you have purchase the gold for your pension, it can be safely stored in a secure and LBMA approved depository.
The sheer amount of different assets allowed into a SIPP means you can achieve more balance within your portfolio. And more balance, means fewer nasty surprises when other assets drop in value. Gold is especially appropriate for those entering the last ten years prior to retirement, who are looking for some protection of their pension value. You can simply transfer as much of your existing investments into physical gold for your SIPP pension and take advantage of favourable and stable gold prices. Gold added to a SIPP pension can also provide a great hedge to riskier asset classes, for those a little younger, seeking capital growth. Physical gold provides balance because, unlike other assets, there’s no counterparty risk. It also tends to rise in value when many of the traditional assets fall, providing the portfolio insurance every pension should have. The recent volatile economic conditions have perfectly illustrated how traditional assets can all move down in value together, shrinking pension pots and leaving most people concerned about the reduced standard of living they’ll achieve once retired. When it comes to securing the future of your pension, gold is a more stable asset.
A Self Invested Personal Pension (SIPP) can house both traditional assets like bonds, shares and cash, together with all qualifying alternative assets such as commercial property. This means you won’t need several pensions holding various types of assets; everything can be held under one roof including gold. SIPP pension funds that contain a variety of assets provide investors with more security as risks are diversified.
Simple set up with plenty of choiceYou can either add physical gold to your existing SIPP (if they’re approved by us), or we can help you set up a brand new pension from our list of over 15 pension providers. You may wish to seek an Independent Financial Advisor (IFA) of your own to guide you through the risks and rewards of the various asset classes, before you make any decisions that might affect your pension. Gold is widely accepted as one of the most secure forms of physical investments and there are many options as to how much or how little you invest in giving you the ultimate flexibility.
Ultimate gold securityPhysical gold bars are the most secure method of gold investment, as there is absolutely no counterparty risk. Your pension gold is stored in the one of the UK’s leading, London Bullion Market Association (LBMA) approved depositories, with full insurance through Lloyds of London. We operate on a fully allocated and segregated basis, providing you with the ultimate security. This means that you can be fully confident that your pension gold is fully secured at all times.
FlexibilityYour pension gold will be in the form of retail size bullion bars, providing you with the flexibility to sell any part of your gold holding at any time. These bars are fully allocated to you and segregated from other holders. This means that your gold is safe from any other investors, is not on our balance sheet or that of the storage facility. Just as you could change your investments in any other way, you can buy and sell your gold as part of your SIPP pension management.
Gold bullion can also be purchased within a Small Self-Administered Scheme (SSAS) if you have a small company scheme and seek balance, growth and protection. In the same way that gold offers SIPP pension holders an efficient form of investment, members of an SSAS can also take advantage of pension gold. Investors in the USA may wish to learn how to invest into a Gold IRA. As all our gold bullion is of 999.9 finesse quality, it meets the minimum standard of purity required by the Internal Revenue Service to qualify for a Precious Metals IRA. For this reason, US investors should take care not ensure that no collectible coins are included in their investment and that any gold coins and bars are 0.995% purity levels and above.
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