UK Residents
Pension and investment accounts for individuals living in the UK
Invinitive provides UK residents with access to modern pension and investment accounts, administered through a secure, FCA-regulated platform.
We operate on an execution-only basis, providing the infrastructure and administration needed to hold and manage investments. We do not provide financial advice.
Who this is for
This section is relevant if you:
Available accounts for UK residents
Self-Invested Personal Pension (SIPP)
A UK personal pension that allows you to consolidate and manage retirement savings within a flexible, self-directed structure.
- •Transfer existing UK pensions
- •Invest in FCA-permitted standard assets
- •Online access and transparent pricing
Stocks & Shares ISA
A tax-efficient investment account available to UK residents, subject to annual HMRC allowance limits.
- •No UK tax on income or capital gains within the ISA (under current legislation)
- •Access to global markets
- •Fully digital administration
Investment Account (GIA)
An unwrapped investment account for investing outside pension and ISA structures.
- •No contribution or withdrawal limits
- •Suitable once ISA allowances are used
- •Full access to global investments
Junior accounts – coming soon
We will shortly be introducing Junior SIPPs and Junior ISAs (JISAs), designed for parents and guardians who wish to invest on behalf of a child.
Important: To open a Junior account with Invinitive, you must first have an active account with us (Investment Account, ISA, or SIPP).
Junior SIPP
A UK pension for children under 18, with tax relief on contributions and the same transparent pricing as adult SIPPs.
Learn more & register interestJunior ISA (JISA)
A tax-advantaged investment account for children, with control passing to the child at age 18.
Learn more & register interestFull details will be published ahead of launch.
Investment access
Across our accounts, UK residents can access a wide range of FCA-permitted, standard investments, including:
Investments are held and administered within a clearly defined regulatory and governance framework.
Transfers to Invinitive
We support transfers from most UK providers, including:
Both cash and in-specie transfers may be supported, depending on the assets involved and the ceding provider.
We support pension transfers on both electronic and manual routes. Invinitive is part of the Origo Transfer Service community for eligible in-scope transfers where both schemes support Origo.
👉 Learn more about transfersFees & transparency
We believe pricing should be easy to understand.
Need Regulated Financial Advice?
If you are a UK resident and would like to speak with a regulated financial adviser, you can search for independent advisers through Unbiased.
Unbiased is a UK-based directory that helps individuals find authorised and regulated financial advisers, accountants, and mortgage advisers based on their needs and location.
👉 Visit UnbiasedInvinitive Financial UK Ltd does not provide financial advice and does not recommend any specific adviser. This link is provided to help you independently source advice should you wish to do so.
Next steps
If you're ready to proceed, you can begin the process online or contact our team with general questions.
Important information
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority. We do not provide financial advice. Investments can fall as well as rise in value, and you may get back less than you invest. Tax treatment depends on individual circumstances and may change in the future.