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
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.
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.
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 Income||Annual Contribution Allowance|
|Up to £150,000||£40,000|
The tax treatment of a SIPP is based on individual circumstances and may change in the future.
If you haven't got an Account with us you will need to apply.