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TD SIPP Investment Options

With the TD SIPP you can create your own personalised investment strategy. We offer a wide range of investments that can be held within your TD SIPP

We offer over 2,000 Funds from leading Fund Managers

Trade in both UK and International Equities

Hold cash in 9 different currencies

Low cost FX charges

Access AIM shares through your SIPP

Choose from Investment Trusts, Exchange Traded Funds and other investments

Details of investment options that aren’t available through the TD SIPP can be found in the Key Features Document.

The value of international investments may be affected by currency fluctuations which might reduce their value in sterling. We may receive two elements of commission in relation to international dealing - Trading Commission and our FX Charge. Please see our Rate Card for full details of the relevant costs.

How much do I need to contribute?

Regular or one-off contributions to your TD SIPP may help to increase your income at retirement and bring you closer to your retirement goals.

How much can I contribute?

Now that you’ve decided how much you need to contribute, here’s a guide to how much you can contribute to your pension each year. Remember to consider both regular and one-off contributions that you make.

You can generally receive tax relief on contributions up to 100% of your earned income each year up to a maximum of £40,000 and receive tax relief.

You can carry forward any unused allowance from the previous 3 tax years.

If you have no UK earnings, or are earning less than £3,600 a year you can still pay contributions up to £2,880 and we will claim tax relief of £720.

The Lifetime Allowance is currently £1m.

If you’re a high income earner

If you have an income of more than £150,000 you are restricted in the allowance available to you with a sliding scale being applied to the annual limit for the 2016/17 tax year.

 

The calculation of income is complex. It isn’t simply based on earnings from employment or self-employment, meaning you may need to contact a financial adviser or accountant to establish exactly how much you can pay into your pension.

 

As a guide, you will be considered a high-income individual if your ‘adjusted income’ is more than £150,000.

‘Adjusted’ income means; you have ’Threshold Income’ e.g. base salary, bonus, rental or investment income that total over £110,000 and then employee and employer pension contributions are added to this amount. This gives you your ‘Adjusted Income’ figure.

If your ‘Adjusted Income’ is greater than £150,000, your annual allowance will reduce by £1 for every £2 of ‘Adjusted Income’ up to an income £210,000, when the annual allowance is set at £10,000. This is known as your Tapered Annual Allowance.

See table below:

Annual IncomeAnnual Contribution Allowance
Up to £150,000£40,000
£160,000£35,000
£170,000£30,000
£180,000£25,000
£190,000£20,000
£200,000£15,000
£210,000+£10,000

The tax treatment of a SIPP is based on individual circumstances and may change in the future.


Do you know how much you need to retire with?

Decide what your target income is and compare it against your current projected income to see what the shortfall might be.

Use our Pension Calculator to work out the level of pension contributions that could help close the gap.


How do I make contributions?

With a TD SIPP it’s easy to contribute to your pension fund.

  • You can make one-off contributions online using your debit card
  • You can set up a regular direct debit to pay into your TD SIPP from your bank account
  • Your employer can contribute by direct debit
  • You can make a direct contribution from one of your other TD Direct Investing accounts (excluding TD ISA)
Download SIPP Contribution Forms

New customer

If you haven't got an Account with us you will need to apply. Open a TD SIPP

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Quick Start Funds

Need help finding a fund?

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TD Recommended Funds

Find out how much you need for retirement

Launch our Pension Calculator.

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Regular Contributions

If you don't have a lump sum to contribute this option lets you make regular monthly contributions to your SIPP from as little as £40 each month by direct debit.

You can use your regular contributions to purchase stocks on a monthly basis for just £1.50 commission. You can also purchase funds, which don't incur commission but may have a Fund Manager charge. Choose from up to ten stocks and/or funds that you wish to invest in on monthly basis.

Understanding the risks

The TD SIPP is aimed at customers who have sufficient knowledge and experience of investing to make their own investment decisions and want to actively manage their investments. The TD SIPP is not suitable for every investor. Other types of pensions may be more appropriate.

The investment made within a TD SIPP can fall as well as rise and you may end up with a fund at retirement that's worth less than you invested. You can normally only access the money from age 55.

Our services are execution only. Together with our partners we also provide opinions on whether to buy a specific investment. None of the opinions we provide are a personal recommendation. If you are unsure about the suitability of a particular investment or think you need a personal recommendation, you should speak to suitably qualified financial adviser.

The TD SIPP is administered by AJ Bell Management Limited. AJ Bell Management Limited is Incorporated in England and Wales under registration number 3948391. Registered Office: Trafford House, Chester Road, Manchester, M32 0RS. Authorised and regulated by the Financial Conduct Authority (Financial Services Register Firm Reference Number 211468). Sippdeal Trustees Limited is a wholly owned subsidiary of AJ Bell Management Limited, Incorporated in England and Wales under registration number 4050222. Registered Office: Trafford House, Chester Road, Manchester, M32 0RS. Sippdeal Trustees Limited does not conduct any regulated activities, and is, therefore, not regulated.