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Self Invested Personal Pensions (SIPPs) provide freedom of choice when investing for a pension. Physical gold’s low volatility and long-term value makes it an excellent choice for SIPP investment.
Self-Invested Personal Pensions (SIPPs) are a highly tax-efficient way to save for your retirement. While traditional pensions tend to limit investment choice to specific funds, SIPPs allow you to choose your own investment and invest in areas which have long-term value, such as physical gold and silver. If your specific SIPP doesn’t support gold investment, it’s possible to open several simultaneously for greater flexibility.
SIPPs are also subject to the same 45% tax relief as other pensions, with no capital gains tax and no UK income tax to pay, depending on your circumstances. You can start withdrawing money from a SIPP from the age of 55 onwards, and properly managed these pensions can provide a comfortable retirement arranged on your own terms, with much more freedom than other forms of pension investment.
Investing in physical gold for your SIPP has several benefits, and is becoming more and more popular. Income tax rebates and tax breaks mean that SIPP investment is one of the most tax-efficient forms of investment in an already tax-efficient commodity, and physical gold’s relative stability as a form of investment means that it carries less risk than the more restricted investments of more traditional pension funds.
However, your SIPP investment will work slightly differently to physical gold bought for regular investment. Your pension fund will own your gold, meaning that control of investment is more limited. SIPP funds will also have admin fees, although they’re usually fairly small compared to the costs that sometimes come with owning physical gold.
Gold for SIPP investment is a specific product offered by The Pure Gold Company, under the title ‘Pension Gold’. We are able to provide gold for SIPP investment through our standard four-step buying process: consultation, creation of a purchase order, payment (available via bank transfer or debit card for some smaller transactions) and storage/delivery.
Make sure to check with your SIPP provider that yours supports gold investment, and follow your provider’s specific processes for purchase and investment. For information on working with The Pure Gold Company through an intermediary, see our Agents page.
When selecting a type of gold for investment in your SIPP the usual criteria applies, although some SIPPs have rules regarding the type of bullion that can be used for investment. No need to worry: all forms of gold bullion share the stability and value as investment that makes gold attractive. Thanks to the long term stability and limited risk of physical gold investments as opposed to investment in other commodities or paper gold, investors can be confident in strong returns and a comfortable retirement.
The Pure Gold Company also offers a fully tracked, fully insured delivery service or storage in independently audited vaults approved by the LBMA. When the time comes to liquidate your gold, the Pure Gold Company offers buy-back guarantees and market-rate prices, ensuring that you will be able to benefit from your gold investment no matter the economic situation.