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Invest with your pension

ROC investors can use pension funds to invest within our hotel resorts using a Self Invested Personal Pension (SIPP).

A Self Invested Personal Pension, known as a SIPP, is a personal pension for which the person investing for retirement decides what their pension fund is invested in. Traditionally pensions are managed by a pension fund manager who may invest in volatile stocks and shares and the investor has no control or influence on this decision.

Any type of pension can be transferred into a SIPP, for instance many people have several 'frozen' pensions from previous employment or businesses and/or personal pensions that they can transfer.

An investor using a SIPP can make further contributions ongoing into their SIPP and is entitled to full tax relief which means that if a 40% tax payer paid in £100,000 it could only cost him £60,000.

It is also possible to increase the amount of funds available in a SIPP by borrowing up to a further 50% of the value of the SIPP. For example if a SIPP has funds of £200,000, it can borrow another £100,000 making available £300,000 to invest.

What are the benefits?

• Offers a unique opportunity to hotel resort property using pensions
• No requirement for cash investment
• If you do wish to invest cash you receive tax relief on contributions up to 40%
• No Capital Gains Tax on property investments within a SIPP
• No dividends to be taxed on property investments in a SIPP
• Potential inheritance tax benefits
• Pre-agreed lending liability based on the property asset NOT the individual
• A SIPP can be syndicated so to or more people can pool their pension funds to invest – ideal for husband and wife or group investment
• Most types of pension can be accepted into a SIPP
• A tax efficient way to invest for your retirement

This is a complex area and it does need professional advice. ROC have teamed up with a leading independent wealth management company specialising in financial planning.

We can arrange for a no-obligation assessment of your existing pensions and retirement provision free of charge for potential investors to assess whether their exsiting pension plans may be transferred into a SIPP.

If you are interested in investing through a SIPP call our sales team now on 01902 722 930 or complete the enquiry form by clicking here.

ROC investments does not offer financial advice
ROC investments is not regulated by the Financial Services Authority
ROC investments do not provide any advice on SIPPs direct. We will introduce all interested clients to an authorised FSA firm for this purpose.