Investment Options
Your Future SIPP
One of the widest ranges of investment choices with the controls, governance and dedication to help you with your retirement journey.
Investment Options
Find out more about our wide range of investment choicesWe know that investment strategies change throughout your pension journey. That’s why we offer a wide range of investment choices.
Below we have outlined 5 of our core investment choices and how these can be used within one of our self-invested pensions.
To learn more about our investment choices, please contact your financial adviser. Curtis Banks does not provide any kind of financial advice, and we recommend that you obtain advice before investing.
There are some variations between our products, and you’ll need to check the appropriate allowable investments schedule for your SIPP to confirm the options available to you. You can find our allowable investments schedules in our Literature Library.
Investment values can rise and fall and you may get back less than you invest. Some investments can be illiquid and difficult to sell.
Discretionary Fund Managers
Discretionary Fund Managers (DFM) is a way of managing investments. The appointed DFM will make decisions as to when to buy and sell investments based on a number of factors including risk profile and aims.
Some DFMs also create a diversified collection of investments that are entirely tailored to your needs.
Curtis Banks doesn’t provide a DFM service, but we do have an extensive network of over 200 investment firms you can choose from to select a DFM that works for you. We are also happy to work with any DFM not on our approved list, as long as they meet our due diligence requirements.
Commercial Property
Not all properties are suitable as pension investments – only commercial properties can be held without incurring significant tax charges from HMRC. When you think about commercial property, you might first think about things such as shops, offices, and industrial units. However, the term can also encompass more unusual property types such as sports halls, hotels, and even land.
We offer the opportunity to invest in commercial in a number of ways, including jointly with other Curtis Banks clients. You are also able to buy property in conjunction with non-Curtis Banks clients- perhaps you personally or your company.
Commercial Property can be illiquid and difficult to sell.
Cash And Fixed Term Deposits
We offer the opportunity to invest in cash through a variety of ways including: fixed term, fixed rate, and notice accounts that can be opened directly with Curtis Banks or through an investment firm from our panel of over 200+ approved providers.
Alternatively, we also offer the choice of a ‘cash platform’, where you and your advisers can compare various rates and manage multiple cash accounts without completing a new application each time.
Not only that but we pay interest on any cash held in the SIPP bank account. Learn more about how interest on SIPP bank account balances is applied, see here.
Bespoke Investments
Bespoke investments is a broad term, encompassing a number of investment options including Unlisted Shares.Unlisted shares can be allowable and include any UK-based company shares that are not listed on a stock exchange.
These types of investments may not be suitable for all clients, and all bespoke investments will be subject to our established and thorough due diligence process.
For more information about investing smart, the FCA website has a number of recommended steps to consider before making investment choices. You should regularly review your investments to make sure they are suitable for your retirement aims and your own risk appetite.
Gold
Gold can be accessed in our self-invested pensions in two ways:
- via the Royal Mint (wholly owned by His Majesty’s Treasury)
- or via an online platform – non-physical gold.
Presently, we are only able to authorise gold held with one of our Investment Partners. This allows us to ensure that the appropriate governance, and security is in place for the gold holding.
Gold is classified as a ‘non-standard’ investment and is not regulated by the FCA or covered by the Financial Services Compensation Scheme.