A SIPP is a personal pension offering significantly broader investment choice than traditional pension schemes, putting you in control of your retirement planning.
What Can You Invest In?
Mutual funds and ETFs
UK and overseas equities
Government and corporate bonds
Cash deposits and structured products
Insurance company funds
Specialist Option:
Commercial property – Own business premises or investment property within your pension
Why Invest in Commercial Property Through a SIPP?
Tax Advantages
No Capital Gains Tax on property value growth
Tax-free rental income within the pension
No Inheritance Tax – property held outside your estate
Tax relief on business rent payments (allowable expense)
Financial Benefits
Cash flow enhancement – Sell your trading premises to your SIPP and pay rent to your own pension
Market diversification – Commercial property typically less volatile than equities
Leverage opportunities – Borrow up to 50% of existing SIPP assets to fund purchases
Flexibility
Individual or group ownership – Pool resources with others to invest in larger properties
Key Considerations
Liquidity
Property can take longer to sell than other investments, potentially reducing access to funds
Concentration risk
Single property investment lacks diversification
Common Questions
Ongoing Management & Review Workplace pensions aren't a "set and forget" benefit.
Yes – you can sell property to your SIPP and lease it back, generating tax-efficient income for your retirement.
Up to 50% of your SIPP's net asset value.
Individuals or groups can pool SIPPs to purchase property together.
Our people
We have a great team of qualified professionals available to support you with your plans. We are always keen to hear from anyone who might be interested in joining our team. Find out more here.
Aberdein Considine Wealth Ltd (AC Wealth) is authorised and regulated by the Financial Conduct Authority, FRN 1012486. Company number SC720631. The FCA does not regulate tax planning, Wills or Trusts. The value of investments can fall as well as rise. The information on this site is intended to be of general interest only and should not be considered as an offer, investment recommendation or solicitation, or advice to engage with any financial instruments. This website is intended for UK audiences only.
