Invinitive Financial UK Ltd
Key Features of the
Invinitive SIPP
2026 / 2027
The Financial Conduct Authority requires us to give you this important information to help you decide whether this product is right for you. Please read this document carefully and keep it for future reference.
This document is based on our understanding and interpretation of current legislation, which may change in the future. It should not be relied upon as financial, personal or legal advice. The taxation of benefits you may be entitled to in the future can change.
1. About the Invinitive SIPP
Who we are
The operator of the Invinitive SIPP is Invinitive Financial UK Ltd. The trustee of the scheme is Invinitive Trustees Ltd. Both companies are wholly owned subsidiaries within the Invinitive Inc Group.
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority (FRN 964301).
What is the Invinitive SIPP?
The Invinitive SIPP is a self-invested personal pension. It is a long-term retirement product that allows you to hold a wide range of permitted investments through our platform, subject to our terms, product rules and permitted investments policy.
It is generally suitable for individuals who are employed or self-employed and who want greater control and flexibility over where their pension funds are invested.
2. Key Features, Aims & Risks
Introduction
These key features explain the main characteristics and potential benefits of the Invinitive SIPP. If you have any questions, please contact your financial adviser or Invinitive Financial UK Ltd directly.
The Invinitive SIPP differs from a conventional pension plan as it gives you more control and flexibility. You and your adviser (where investment decisions are delegated) can direct where the funds are invested, provided this is in accordance with our investment mandate and Permitted Investments policy.
Its Aims
The Invinitive SIPP aims to provide you with the following:
A tax-efficient way to save for your retirement — your fund is generally free from income tax and capital gains tax while invested
A wide range of permitted investment options across global markets
The ability for you to make your own investment decisions (execution-only basis)
A pension that is flexible in meeting your changing needs and personal circumstances
A wide range of options at retirement, including income drawdown and phased benefit access
Direct access to dedicated, experienced administrators and technical staff
Your Commitment
Risk Factors
In normal circumstances benefits can only be paid from age 55 (increasing to age 57 in April 2028). In exceptional circumstances such as ill health, benefits may be paid earlier.
The value of investments within the Invinitive SIPP may go up or down. The value of your pension fund at retirement is not guaranteed.
Transaction charges are payable. Excessive switching of investments or low-value transactions may erode the value of your fund.
You will not receive a recommendation from us regarding the SIPP or investments held within it. We operate on an execution-only basis.
Changes to tax rates, reliefs and allowances may affect the amount of benefit you receive at retirement.
Benefits may be lower due to: lower than expected investment returns; cessation of contributions; increases in charges; taking income earlier than planned; or large withdrawals.
Our charges may increase. You will always be notified in writing in advance of any change.
Income Drawdown Risks
Your investments need to grow to compensate for the income you withdraw. If they don't, income withdrawals will deplete your pension fund, possibly to nothing.
You should review your income levels regularly to make sure your pension fund will last and provide the income you need throughout retirement.
If you later decide to purchase a retirement income product (such as an annuity), you may receive a lower income than if you had purchased it earlier.
Leaving your pension entirely in cash may have a detrimental impact on its longevity, especially during periods of high inflation.
Fees and Charges
| Charge | Amount |
|---|---|
| Platform fee | 0.25% p.a. (capped at £400 per account) |
| SIPP wrapper fee | £150 p.a. (waived for accounts under £50,000) |
| Dealing charge — UK & US trades | £7.95 per trade |
| Dealing charge — International (excl. US) | £7.95 + 5bps per trade |
| Underlying fund charges | Varies — set by fund manager, not Invinitive |
Full details are available in the Costs and Charges document on our Documents page.
Cancellation Rights
You have a 30-day right to cancel your Invinitive SIPP from the date you receive your cancellation documentation. To cancel, return the notice to Invinitive Financial UK Ltd at the address in Section 4.
If monies have already been invested before we receive your cancellation notice, the amount returned may be less than the amount paid in, as investment values may have fallen. Any transfers will be returned to the originating scheme where possible.
3. Questions & Answers
About the Scheme
Making Contributions to the SIPP
Transferring and Amalgamating Other Pensions
What Investments Can I Buy and Hold?
Pension Benefits and When I Can Access Them
Benefits Payable on Death
4. Useful Information
How to contact us
All written communications must be in English.
You may also contact us via live chat, online contact form, or support ticket through your account portal.
Financial Services Compensation Scheme
Invinitive Financial UK Ltd is covered by the FSCS. If we are unable to meet our obligations to you, you may be eligible to claim compensation.
10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU
Telephone: 020 7741 4100
www.fscs.org.ukComplaints
If you wish to complain, please contact our Compliance Officer:
Compliance Officer, Invinitive Financial UK Ltd
52C Market Street, Ashby de la Zouch, LE65 1AN
Tel: 0800 048 8485
s.elliott@invinitive.co.ukPension-related complaints we cannot resolve may be referred to the Pensions Ombudsman:
Who are we regulated by?
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority (FRN 964301).
Financial Conduct Authority
12 Endeavour Square, London E20 1JN
Invinitive Financial UK Ltd (13086962), Invinitive Trustees Ltd (13143626) and Invinitive Nominee Ltd (14275678) are all registered companies in England and Wales with registered offices at 128 City Road, London EC1V 2NX.
Important information
This document is provided for information purposes only and does not constitute financial advice. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. The minimum pension age is currently 55 and is scheduled to increase to 57 in April 2028. Please read the current Costs and Charges document and SIPP Terms and Conditions before proceeding.
IFUL/SKF/04072026 — 2026/2027