Understand the Invinitive SIPP
A clear explanation of how the product works, its key features, charges, important considerations and the general transfer process.
We can explain the product, its features, charges and administrative process. We do not provide financial advice or assess suitability.
What is a SIPP?
A Self-Invested Personal Pension, or SIPP, is a personal pension wrapper designed for long-term retirement saving in a tax-efficient environment.
It allows individuals to hold investments within a pension structure, subject to product rules and legislation. As with any investment, values can fall as well as rise, and access to benefits is restricted by law unless a specific exception applies.
Execution-only
The Invinitive SIPP is provided on an execution-only basis. We do not provide financial advice, personal recommendations or suitability assessments.
How the Invinitive SIPP works
The product is designed for individuals who want a clear, execution-only pension wrapper with online access and broad investment capability, subject to product terms and asset eligibility.
Execution-only
You make your own decisions, or act through your own adviser where applicable. We provide the product and administration.
Investment access
Access a broad range of standard investments, subject to our terms, permitted asset rules and operational requirements.
Online administration
Manage and view key product information digitally in one place, with online access to your account.
Transfer capability
The product can accept eligible pension transfers from existing arrangements, subject to checks and documentation.
Transparent structure
We aim to present product information, charges and process clearly so you can make informed decisions.
UK-regulated framework
The product operates within a UK-regulated environment, designed to provide a clear structure for long-term retirement saving.
Who this type of product is generally designed for
A SIPP is generally used by individuals who want to save and invest for retirement through a personal pension wrapper and who are comfortable making their own decisions, or working with their own financial adviser.
- Individuals looking for a personal pension arrangement alongside or instead of other pension arrangements
- Those who want visibility over their pension holdings and administration
- Those seeking access to a broader range of investments, subject to product rules
- Long-term investors who understand investment risk and the nature of pension saving
- Individuals comfortable using an execution-only product without receiving personal advice
This information is general in nature and is not intended to suggest that the product is appropriate for any individual.
Key product features
Charges
Charges should always be reviewed carefully before opening any pension or investment product.
The Invinitive SIPP has its own product charges, and underlying investment costs may also apply depending on the assets selected. Transaction-related charges may also apply where relevant.
If you would like to understand how the charging structure works, please get in touch via the contact page or use live chat.
Important considerations
- Investments can fall as well as rise in value — you may get back less than you invest
- A pension is a long-term product and is not designed for short-term access to money
- Tax treatment depends on individual circumstances and may change in future
- Investment availability depends on product rules, processes and asset eligibility
- Transfers can take time and depend on existing provider processes and requirements
- Execution-only means no personal advice or suitability assessment is provided
Transferring an existing pension
The Invinitive SIPP can accept eligible transfers from existing pension arrangements, subject to documentation, checks and operational requirements.
The process can vary depending on the ceding scheme, the assets involved and whether the transfer is being made in cash or, where available and accepted, by re-registration of assets.
We can explain the general transfer process and the documents typically required. We do not provide advice on whether a transfer should be made.
Get in touchOne SIPP — designed for UK residents and expats alike
Invinitive offers a single UK-registered SIPP that works for both UK-resident and internationally-based clients. The product is the same — the difference relates to your residency, how you onboard, and certain ongoing administrative considerations.
UK Resident SIPP
For individuals living in the UK who want a modern, digital SIPP for consolidation, long-term investing, and retirement planning.
View UK SIPPInternational / Expat SIPP
For individuals living outside the UK who wish to retain and manage their existing UK pension assets within a UK regulatory framework.
View International SIPPBoth are the same UK SIPP product. The difference relates to residency, onboarding and ongoing administration — not to the legal nature of the pension.
Free Resource
The Plain English SIPP Guide
Everything you need to understand the Invinitive SIPP — how it works, what you can invest in, the charges, the transfer process and what to expect. Straight to your inbox.
About Invinitive
Invinitive is a UK-regulated financial services business offering pension and investment products on an execution-only basis. We aim to provide clear product information, transparent administration and a straightforward client experience for those who want to manage their own arrangements or act through their chosen adviser.