About the product
What is a SIPP?
A Self-Invested Personal Pension (SIPP) is a UK pension wrapper that holds a wide range of investments in a tax-efficient environment — building wealth for retirement while benefiting from pension tax relief.
The Invinitive SIPP provides a clear, professionally administered pension structure. Whether investing directly or through a regulated financial adviser, clients benefit from a modern digital platform with transparent pricing.
Key product features
How it works
Six things to know about the Invinitive SIPP
UK Regulated
Authorised and regulated by the Financial Conduct Authority, operating within the UK pension framework.
Broad investment access
Access equities, ETFs, mutual funds, bonds and more — across UK, US and international markets.
Online administration
Manage your pension digitally. View holdings, transactions and account details in one place.
Pension transfers
Consolidate existing UK pensions into your Invinitive SIPP. Cash and in-specie transfers accepted.
Full transparency
Clear charging structure, plain-English documentation and no hidden fees or commissions.
UK & International clients
One UK-regulated SIPP for both UK residents and internationally-based clients.
Suitability
Who is this product designed for?
This is general information only and does not indicate suitability for any individual.
Charges
Transparent fee structure
We aim to keep charges clear and predictable. There are no hidden commissions, spreads or undisclosed costs. Underlying fund charges are set by fund managers and disclosed separately in fund documentation.
| Charge | Amount |
|---|---|
| Account setup | No fee |
| Annual SIPP wrapper fee (accounts < £50k) | No fee |
| Annual SIPP wrapper fee (accounts ≥ £50k) | £150 p.a. |
| Annual platform custody fee | 0.25% p.a. (capped at £400) |
| UK & US equities, ETFs, funds, bonds | £7.95 per trade |
| International equities & ETFs (excl. US) | £7.95 + 5bps |
| FX transactions | £7.95 |
| Faster payments (GBP withdrawal) | £15.00 |
| International / currency payments | £25.00 |
Effective from 1 May 2026. Please refer to the current Costs & Charges document before opening an account.
Consolidation
Transferring an existing pension
The Invinitive SIPP can accept eligible transfers from existing UK pension arrangements — including SIPPs, personal pensions and occupational schemes, subject to eligibility checks.
Both cash transfers and in-specie transfers (re-registration of assets) are supported where accepted by the ceding scheme.
Our team manages the end-to-end transfer administration. Where a financial adviser is involved, we work closely with them throughout the process.
Typical transfer steps
Open your SIPP
Complete our online application and identity verification.
Submit transfer request
We provide the necessary forms and liaise with your existing provider.
Provider processes transfer
Timelines vary by provider — typically 2–8 weeks.
Assets arrive
Cash or in-specie assets are received into your Invinitive SIPP.
Residency
One SIPP — for UK residents and expats
UK Resident SIPP
For individuals living in the UK seeking a modern digital pension wrapper for consolidation, long-term investing, and retirement planning.
International / Expat SIPP
For individuals living outside the UK who wish to retain and manage their existing UK pension assets within a UK-regulated framework.
Both are the same UK SIPP product. The difference relates to residency, onboarding and ongoing administration.
Important considerations before investing
Get started
Ready to open an
Invinitive SIPP?
Open an account online in minutes. Our team is on hand to answer questions about the product, charges and transfer process. Where you are working with a regulated financial adviser, we are happy to liaise with them directly.
Contact us
Website
www.invinitive.co.uk
info@invinitive.co.uk
Regulated by
Financial Conduct Authority (FCA)
Important information: This brochure is provided for general information only and does not constitute financial advice, a personal recommendation or a suitability assessment. The value of investments can fall as well as rise. You may get back less than you invest. Tax treatment depends on individual circumstances and may change in future. Pension access is governed by legislation and may change over time. Please read all relevant product documentation, terms and the current Costs & Charges document before opening an account.
© 2026 Invinitive Financial UK Ltd. All rights reserved. Authorised and regulated by the Financial Conduct Authority.
www.invinitive.co.uk