Self-Invested Personal Pension


Investments for retirement

A Self-Invested Pension Plan (SIPP) allows you to tailor, monitor and control the investments that make up your pension plan.


UK shares, bonds and more

You can hold a wide variety of investments in your SIPP. These include a mix of cash, shares, gilts, bonds, alternative investments (including futures, options and investment funds) and commercial property.

Depending on the nature of the investments and assets held, the value of the fund can fall as well as rise, and returns are not guaranteed.

Using a SIPP to buy a commercial property

The Royal Bank of Scotland can make a loan to your SIPP - a commercial mortgage to purchase a commercial property - which is then rented to a business, which could include your own business. The rental income repays the loan.

Please note that commercial property may be illiquid and values are likely to be a matter of the valuer's opinion.

The SIPP involves higher charges than a Stakeholder Pension but does offer greater investment choice, flexibility and active management. It is essential that you take advice on this product.

Points to note

This product is provided by Aviva.

Certain restrictions apply to SIPP borrowing. For example, any loan to a SIPP is subject to Her Majesty's Customs and Revenues (HMCR) restrictions.

You should remember than commercial property many be illiquid, and that values are likely to be a matter of the valuer's opinion.

A SIPP attracts higher charges than a Stakeholder Pension. However, it does offer greater investment choice, flexibility and active management.

It is essential that you take professional advice on a SIPP product.

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