Your Self-Invested Personal Pension.

Take the hassle out of pension investments: We do everything for you
Enjoy the benefits of a risk-managed SIPP portfolio
Benefit from greater transparency and low costs

Invest For Your Retirement

We offer pension investments through a managed SIPP portfolio, from £10,000. Your SIPP is invested and managed by Scalable Capital as an investment partner of AJ Bell Investcentre.

Features of a SIPP

Tax-Annual Allowance

Deposits subject to the annual SIPP limit (£40,000 for the tax year 2018/19) as well as the lifetime allowance (currently £1.03 million).

Locked in until Retirement

Withdrawals possible from the age of 55 (increasing to 57 in 2028).

Income Relief

Income tax relief on your deposits, no capital gains or income tax on returns. However, you may be liable for taxation under current SIPP rules for withdrawals.

Transfers

You can transfer in other workplace pensions or transfer in existing SIPPs.

Additional Scalable Capital Features

We Do Everything for You

We build your tailor-made portfolio, monitor it continually and adjust it when needed to keep risk constant in all market conditions.

We Optimise for Better Risk-Adjusted Returns

Our unique technology helps you avoid periods of excessive market risk which typically go hand in hand with lower returns.

We Give You a Real Understanding of Risk

Do you know how much you could lose in a bad year with a "moderate risk" portfolio? Neither do we. That's why we give you a precise risk measure.

When investing, your capital is at risk. Learn more about risk here.

Frequently Asked Questions:

How Do I Open a SIPP via Scalable Capital?

The first step is to complete the SIPP Opening Form - you can request one by entering your email at the top of this page.
If you are transferring a SIPP you will also need to complete the included Transfer Form.
Please post these forms to Scalable Capital, 4 Christopher St, London EC2A 2BS.
We will then contact you to set up your online account and start the SIPP transfer process.

How Long Does It Take to Transfer a Pension to Scalable Capital?

The majority of pension transfers take around 4 weeks to complete. Some can take up to three months, depending on your previous provider.

What Does It Cost?

The total costs for Scalable Capital’s investment management services are 0.9% per annum (VAT included). This is broken down as follows:
- 0.75% Scalable Capital fee which covers investment management, custody and trading costs
- 0.15% ETF (Exchange Traded Fund) fee which is taken directly from the ETFs assets
AJ Bell charges an initial set-up fee of £120 plus VAT and a quarterly administration fee that depends on the value of your SIPP:

More information on the SIPP charges is available from the customer area of the AJ Bell Investcentre website.

What Are the Key Features of the SIPP?

The SIPP Key Features document is available from the customer area of the AJ Bell Investcentre website and answers the most common questions about:

Contributions
Tax Relief
Annual/Lifetime Allowances
Carry Forward
Transfers

Everything You Need to Know in Our Free SIPP Guide

In this free guide you'll discover

bulletpoint_check_green_oldstyle_new_smaller What is a SIPP and why should you have one?
What are the different types of pensions?
How to choose the right investment manager for your SIPP?
The benefits of Scalable Capital’s investment service for your SIPP

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RISK WARNING

With investment comes risk. The value of your portfolio with Scalable Capital can go down as well as up and you may get back less than you invest.
A Stocks and Shares ISA or a SIPP may not be right for everyone and tax rules may change in the future.
Learn more about risk here.

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