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Features

A TD SIPP gives you the accessibility and range of investments to manage your retirement portfolio using the award winning TD Direct Investing website.

  • You can research, buy and sell online as well as make contributions and view your portfolio and its current value at any time.
  • You can test your investment approach using the Portfolio X-Ray.
  • You have a wide selection of UK and International equities, ETFs, gilts and bonds to choose from.
  • You can also choose Unit Trusts and OEICs from the UK's top fund providers, many with initial sales charges from 0%.  There may be a Fund Manager charge, which is a percentage of the value of your investment. This can differ depending on the fund. 
  • When trading internationally you have the flexibility to hold cash in 9 different currencies, and easily move currency through a simple online foreign currency exchange transaction
  • You can invest in selected investment types on a monthly basis automatically within your TD SIPP with our Regular Investing option.

Investment Choices

The TD SIPP allows you to invest in the following investments:

  • UK Listed Equities
  • AIM Securities
  • Overseas Equities
  • Warrants and Covered Warrants
  • Convertible Securities
  • Crest Depository Interests (CDIs)
  • REITs
  • PIBS (Permanent Interest Bearing Shares)
  • Investment Trusts
  • Government Stock (Gilts)
  • Fixed Interest Stock, Corporate Bonds, Debentures
  • Exchange Traded Funds (ETFs)
  • Exchange Traded Commodities
  • Unit Trusts
  • OEICs
  • Cash in nine currencies

Decision Making Tools

With a TD SIPP you have 24/7 access to market information and research tools provided by Morningstar, including tools like:

In addition we provide Morningstar research and charting on UK and International equities, Funds and ETFs.

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. The tax treatment of SIPPs are based on individual circumstances and may change in the future.

Before applying for a TD SIPP you need to read the Key Features Document in Useful Downloads

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 and Charges for full details of the relevant costs.


Receiving Advice


Prior to making any decision about the suitability of a TD SIPP, or transferring any existing pension plan(s) into a TD SIPP we recommend that you seek the advice of a suitably qualified financial adviser. Neither TD Direct Investing or AJ Bell Management Limited are able to provide advice.

We can make payment for this advice on your behalf from within your TD SIPP. To do this please download and complete our Financial Adviser Charging Form


What you need to know before you open an account

Please make sure that you have read and understood all of the relevant documentation below.

Further details are also available in the Terms of Service which you should refer to before applying for an account

Risks

All investments carry a varying degree of risk. It's important that you understand the nature and risks of the different investments available through TD Direct Investing. You may not get back the money you invest and you should not view the past performance of investments as a guide to their future performance. Read more about the risks of investing.

Your money and investments

Before applying for an account it is important you understand how your money and investments will be held and the investor protection schemes that apply. We will hold your money in accordance with the FCA's client money rules and we may pool your investment with those of other customers. Read more about how we will hold your money and investments.

Conflicts of interest

We have a conflicts of interest policy that identifies circumstances that constitute, or may give rise to, conflicts of interest which pose material risk of damage to one or more of our customers. Read more about our conflicts of interest policy.

Summary of charges

Trading commissions start from £5.95 depending on how often you trade. Our standard online rate is £12.50.

If you hold funds a platform fee will apply. See our rates and charges.

Key Features Illustration

When applying online you will be asked to produce a Key Features Illustration, which gives you important information to help you decide if the TD SIPP is right for you. You will be taken to AJ Bell's website to do this. Before applying online you can take a look at AJ Bell's Illustration website and read the Key Features Illustration fact sheet and Key Features Document.


Open a TD SIPP

Phone
Call 0800 138 1900

Post

Go to SIPP forms

Lines are open Monday to Friday 7.30am to 9pm and Saturdays 9am to 3pm

Return the form to us at Customer Accounts Dept., TD Direct Investing, Exchange Court, Duncombe Street, Leeds LS1 4AX


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.

Pension update

What do the 2015 pension changes mean for you?

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