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What is a SIPP?

SIPP — the basics

What is a SIPP?
How many SIPPs can I have?
Can I have more than one pension?

Opening a SIPP

What are the Fidelity SIPP eligibility rules?
What is the SIPP application process?
Can I open a SIPP if I plan to retire overseas?

SIPP contributions & allowances

Until what age can I contribute to my SIPP?
Who can contribute to my SIPP?
Does Fidelity accept contributions in the asset form?
What is the maximum I can pay into my SIPP?
What happens if I exceed my annual allowance?
What is the Lifetime Allowance?
What happens if I exceed the lifetime allowance?
What does carry forward mean?

Personal pension tax information

Is my pension taxable?
How much tax will I pay on my pension?
How much tax will be payable if I die with money left in my SIPP?
What is pension tax relief?

Investing in a SIPP

What can a SIPP invest in?
Can I invest my personal pension in property?
How many funds should I have in my SIPP?
How secure is my pension?

Accessing your SIPP

Can I withdraw money from my private pension?
Can I just take the tax-free cash?
What happens to my SIPP when I reach 75?
What happens to my pension when I die?

SIPP transfers

Can I transfer my pension to the Fidelity SIPP?
Can I transfer my ISA into a SIPP?
Can I transfer my pension to another person?
How much are the pension transfer fees?

Combining pensions together

Can I bring my pensions together?
How do I consolidate my pensions?
How much does it cost to combine different pensions together?
How do I find a lost pension?

SIPP fees & charges

How much does the Fidelity SIPP cost?
How can I pay my fees and when?

Pensions all over the place? Sounds exhausting

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Remember, as with all investing, your capital is at risk. Eligibility to invest in a SIPP or Junior SIPP depends on personal circumstances and all tax rules may change in the future.

The value of investments can go down as well as up, so you may get back less than you invest. This information is not a personal recommendation for any particular product, service or course of action. Pension and retirement planning can be complex, so if you are unsure about the suitability of a pension investment, retirement service or any action you need to take, please contact Fidelity’s Retirement Service on 0800 084 5045 or refer to your financial adviser.  Eligibility to invest into a SIPP or Junior SIPP depends on personal circumstances and all tax rules may change in future. Pension money cannot usually be withdrawn until age 55.