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Investments

Investments that can be held in the Option SIPP

Below you will find examples of companies that have terms in place with EBS Pensions.
These firms have been through our due diligence process, and in turn, completed regulatory checks on us.
Please contact our Customer Services team on 01204 803 500 or email customerservices@embarkpensions.co.uk to see if your chosen investment or platform provider is available or can be added to our panel.

We have relationships with more than 45 discretionary fund managers (DFMs) and stockbrokers, from the big national brands to lesser known names and a selection of digital wealth managers. For an up-to-date list, please contact a member of our Sales team.

If your client is looking to purchase funds, shares, bonds or other assets that can be held on a platform, we can open up an Embark Third Party Investment Account (TPIA) within an Option SIPP.

It’s extremely cost effective and you can set-up an account for your client without the need for any client signatures.

Here are the costs for the TPIA:

Account value             TPIA

£0 – £150k                                                  0.150%

£150k – £500k                                          0.125%

£500k – £1m                                              0.100%

£1m+                                                              0.100%

Please note the TPIA costs will be charged in addition to the Option SIPP fees.

 

 

How much could a client save?

This structure could save clients considerable amounts of money in their pension, especially for clients with larger pots. Let’s take a client with a £500,000 SIPP who is not taking an income from their pension.

The market average platform fee is 0.29%* for pot sizes of £500,000 which equates to £1,450.

 

If your client decided to use an Embark Option SIPP with an Embark TPIA instead, the fees will be…

£210 (£175 plus VAT) + £662.50 (TPIA fees) = £872.50

A saving of £577.50 per annum!

*Source: lang cat – Fixed that for you: State of the platform nation 2018.

 

 

Other platform accounts are available. Contact our Customer Services team on 01204 803 500 or email customerservices@embarkpensions.co.uk to find out more.

Individual funds

Clients can invest directly in UK regulated funds, without the need for a platform. We have arrangements with the following fund managers:

  • Margetts Fund Management
  • Rathbones
  • Sequel Funds
  • Levendi
  • Vanguard Asset Management*
  • Dimensional Fund Advisors*
*Minimum investment £100k.

 

Execution only trading

If your client would like to use an execution only stockbroker, these options are available:

  • James Brearley, ICON Platform
  • Equiniti, Selftrade

 

SIPP deposit accounts

In addition to the Metro Bank or Royal Bank of Scotland transactional SIPP account, your client can hold additional deposit accounts with their Option SIPP. Contact our Customer Services team on 01204 803 500 or email customerservices@embarkpensions.co.uk to find out more.