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Investment tool

Understanding what can and cannot be invested in a self-invested pension and how those investments are treated isn’t always clear.

That’s why we’ve created this tool to provide our advisers and clients with a quick and simple reference guide for the wide range of investment types that we allow.

Using this tool is easy:

  • Select the asset category you want and then select the investment type
  • The summary data table will then provide you with key descriptions
  • For detailed information and data relating to how we support that type of investment and fees, click on the more details button

Select your Asset Category and Investment Type

Cash
Securities
Collectives
Property
Portfolio Services
Specialist
Non-permitted
We require that a minimum cash balance should be kept in each pension scheme’s designated current account, but we also permit deposits with other banks, and exposure to the currency markets through investments in Money Market Funds.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP (if access possible within 30 days)
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

We require that a minimum cash balance should be kept in each pension scheme’s designated current account, but we also permit deposits with other banks, and exposure to the currency markets through investments in Money Market Funds.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Embark Pensions Option SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Embark Pensions Option SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee if listed.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence fee.

These are normally traded on HMRC recognised stock and derivatives exchanges. They include stocks (equities), fixed income securites (corporate and government bonds) and derivatives (futures, options and warrants). We also permit investments in securities that are not traded on a recognised stock exchange, but additional requirements apply.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type may be treated as standard or non-standard for fee purposes depending on the specific asset.

Eligible Pension Products

Embark Pensions Option SIPP (if treated as standard)
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type if it's a standard investment and we do not require members to have received financial advice. If unregulated and treated as a non-standard then the member will be expected to take financial advice unless they are a Certified Sophisticated Investor.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type if standard funds held. If non-standard funds held then up to 90% of the fund value can be invested with at least 10% of the fund value held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type may be treated as standard or non-standard for fee purposes depending on the specific asset.

Eligible Pension Products

Embark Pensions Option SIPP (if treated as standard)
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type if it's a standard investment and we do not require members to have received financial advice. If unregulated and treated as a non-standard then the member will be expected to take financial advice unless they are a Certified Sophisticated Investor.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type if standard funds held. If non-standard funds held then up to 90% of the fund value can be invested with at least 10% of the fund value held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type may be treated as standard or non-standard for fee purposes depending on the specific asset.

Eligible Pension Products

Embark Pensions Option SIPP (if no unregulated funds are held)
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type if it's a standard investment and we do not require members to have received financial advice. If unregulated and treated as a non-standard then the member will be expected to take financial advice unless they are a Certified Sophisticated Investor.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type if standard funds held. If non-standard funds held then up to 90% of the fund value can be invested with at least 10% of the fund value held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee if only standard funds held.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

These are pooled investments that provide exposure to many different asset types. They may be open-ended (OEICs and ICVCs) or close-ended (unit trusts). They are normally authorised or recognised by the Financial Conduct Authority (FCA). Some types of collective investments, particularly those that are not regulated by the FCA, are permitted subject to additional requirements.

Investment Category

This asset type is subject to a due diligence commitment fee.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

If a member has not received financial advice, they must be a high net worth investor, self-certified sophisticated investor or certified sophisticated investor to invest in this asset type.

Investment Limits

Up to 50% of the net fund value can be borrowed.

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

We permit direct investments in a range of different types of commercial property. Pension schemes are allowed to borrow to assist the purchase of a property. Indirect investments in property may also be made through a range of pooled investments, some of which invest specifically in property (REITs and EPUTs).

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We allow our members to hold and manage their investments using a range of different accounts and wrappers, from execution only stockbroker accounts to trustee investment plans (TIPs) and discretionary fund management (DFM) accounts.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP (if only holds listed securities)
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

If a member has not received financial advice, they must be a high net worth investor, self-certified sophisticated investor or certified sophisticated investor to invest in this asset type.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

We allow our members to hold and manage their investments using a range of different accounts and wrappers, from execution only stockbroker accounts to trustee investment plans (TIPs) and discretionary fund management (DFM) accounts.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type if it's a standard investment and we do not require members to have received financial advice. If unregulated and treated as a non-standard then the member will be expected to take financial advice.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee.

We allow our members to hold and manage their investments using a range of different accounts and wrappers, from execution only stockbroker accounts to trustee investment plans (TIPs) and discretionary fund management (DFM) accounts.

Investment Category

This asset type is a standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP (UK only)
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

There are no restrictions on the type of investor who can invest in this asset type, and we do not require members to have received financial advice before investing.

Investment Limits

There are no limits on the amount of the fund value that can be invested in this asset type (subject to our minimum bank balance requirement).

Due Diligence Commitment Fee

This asset type is not subject to a due diligence commitment fee unless it's non-UK based.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Option SIPP
Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 50% of the fund value can be invested in this asset type, and in addition at least 10% of the fund value must be held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.

Investment Category

This asset type is a non-standard investment for the purposes of our Fee Schedule.

Eligible Pension Products

Embark Pensions Full SIPP
Hornbuckle Mitchell Single SIPP
Hornbuckle Mitchell Full SIPP
EBS SIPP and SAPPP

Eligible Investors

Unadvised non-standard investments are not permitted unless they are a Certified Sophisticated Investor.

Investment Limits

Up to 90% of the fund value can be invested in this asset type with at least 10% of the fund held in cash or standard asset types.

Due Diligence Commitment Fee

This asset type is subject to a due diligence commitment fee.

We permit investments in certain asset types that are subject to particular conditions from HMRC where held by pension schemes. If these conditions are not met significant tax charges can be payable as a result.
This asset type is not eligible for our products.
We may decide not to permit an investment where we feel that a class of investment poses a particular risk of poor outcomes for a pension plan (or where we have observed poor outcomes in the past). Additionally, some types of investment attract a tax charge from HMRC (or are difficult to verify with any certainty whether a tax charge may be applicable) and we will not permit these types of investments in our schemes.

Reason for non-acceptance

Lack of controls in relation to underlying assets.
We may decide not to permit an investment where we feel that a class of investment poses a particular risk of poor outcomes for a pension plan (or where we have observed poor outcomes in the past). Additionally, some types of investment attract a tax charge from HMRC (or are difficult to verify with any certainty whether a tax charge may be applicable) and we will not permit these types of investments in our schemes.

Reason for non-acceptance

The complexity of dealing with non-UK tax and legal jurisdictions.
We may decide not to permit an investment where we feel that a class of investment poses a particular risk of poor outcomes for a pension plan (or where we have observed poor outcomes in the past). Additionally, some types of investment attract a tax charge from HMRC (or are difficult to verify with any certainty whether a tax charge may be applicable) and we will not permit these types of investments in our schemes.

Reason for non-acceptance

A UK LLP is tax-transparent which means pension schemes (as LLP members) are accountable for tax on income and/or gains.
We may decide not to permit an investment where we feel that a class of investment poses a particular risk of poor outcomes for a pension plan (or where we have observed poor outcomes in the past). Additionally, some types of investment attract a tax charge from HMRC (or are difficult to verify with any certainty whether a tax charge may be applicable) and we will not permit these types of investments in our schemes.

Reason for non-acceptance

Member(s) and Scheme Administrators are liable for significant tax penalties on the value of the interest acquired.
We may decide not to permit an investment where we feel that a class of investment poses a particular risk of poor outcomes for a pension plan (or where we have observed poor outcomes in the past). Additionally, some types of investment attract a tax charge from HMRC (or are difficult to verify with any certainty whether a tax charge may be applicable) and we will not permit these types of investments in our schemes.

Reason for non-acceptance

Identified by the FCA as providing high risk of poor consumer outcomes. Their recommendation is that these products should not reach ordinary retail investors in the UK.
We may decide not to permit an investment where we feel that a class of investment poses a particular risk of poor outcomes for a pension plan (or where we have observed poor outcomes in the past). Additionally, some types of investment attract a tax charge from HMRC (or are difficult to verify with any certainty whether a tax charge may be applicable) and we will not permit these types of investments in our schemes.

Reason for non-acceptance

Lack of control over use of loan proceeds. This presents a high risk of regulatory breach including potential pensions liberation.

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