Evolution Is The Exclusive SIPP And SSAS

SIPPclub Neither Advises On Nor Arranges SIPPs or SSASs

Although SIPPclub doesn't feature any SIPPs or SSASs and we are neither a SIPP nor a SSAS operator, we hold details of self-invested pension administrators that allow some or all of the loan and investment opportunities described on SIPPclub.  If you're a Member of SIPPclub, using the form below, we'll point you to SIPP and SSAS operators that might be able to meet your needs.

Evolution is how we refer to any SIPP or SSAS that allows affluent people to invest in a wide range of asset classes, outside of stockmarket investment

Evolution Is All-Inclusive, Giving You Access To A Full Range Of Stockmarket Investments, And Many Other Asset Classes Too

Generally speaking, your investment choices aren't limited with Evolution.  In addition to you having access to a full range of standard assets such as stockmarket funds, cash deposits, bonds and stocks, you could take advantage of crowdfunding and peer-to-peer.  Or you could trade a variety of instruments.  Your SIPP or SSAS could purchase real commercial property.  And many other assets too.

Once your pension administrator has checked your chosen investment is an acceptable asset to HMRC, and it's fulfilled certain due diligence criteria regarding its structure and financial fundamentals, it could be included within your SIPP or SSAS.  That said, if your operator unearths some detrimental information about a particular investment, it won’t allow you to hold the asset, to reduce your risk of losing money.

All You Need To Know About SSAS Including A Comparison Of SIPP With SSAS

All You Need To Know About SSAS

It is 10 months since I moved my pension funds into an Evolution SIPP via SIPPclub.  I must say that the SIPP operator is a dream to deal with and I am impressed with the very personal service provided. SIPPclub has proved to be invaluable as well and I must congratulate you on everything you have done to make it so successful.
Duncan Hector, SIPPclub Member

With Its Wide Range Of Benefits, You’d Be Forgiven For Thinking Evolution Will Cost You A Fortune

Well it doesn't!  It's usually very competitively priced. 

In many cases, you're charged a fixed annual fee for all your pension administration.  Typically, you’ll pay around £1,250 plus VAT per year, although there may be one or two asset classes that are charged separately, like commercial property.  Some SIPP and SSAS operators charge on a menu: the more you diversify, the more you'll pay.

For a flexible, all-inclusive SIPP or SSAS, with no hidden charges and no need to pay for advice, this could work out very well for you.  In fact, for the average SIPPclub Member, it costs less than almost every other type of pension!

How To Qualify For Evolution SIPP Or SSAS

When you become a Member of SIPPclub, the information you provide enables us assess whether you have the appropriate level of affluence, knowledge and experience for an Evolution SIPP or SSAS.

Looking at the tables below, you’ll need to fulfil at least two criteria from Section One, or one from Section One and at least one from Section Two.  However, if you have exceptional circumstances that make you appropriate for Evolution, we'd be delighted to hear from you, to see whether there’s a SIPP or SSAS operator that might be able to help you.

Section One

  • Currently earn £100,000 per year or more.
  • Hold net assets of £250,000 or more, excluding your home and your pension funds.

Section Two

  • Have been a member of a network or syndicate of business angels for at least the last six months.
  • Have made two or more investments in an unlisted company in the last two years.
  • Have worked, in the last two years, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises.
  • Have been, in the last two years, a director or partner of a company or organisation with an annual turnover of at least £1 million.

In line with guidance from the Financial Conduct Authority, Evolution SIPP operators will normally require you to have received advice from a suitably qualified independent financial adviser before they will set up a SIPP.  The adviser will take responsibility for the advice and recommendations it makes for you, giving you protection under the Financial Ombudsman Service and the Financial Services Compensation Scheme. 

A typical fee across the UK is around 3 per cent of your fund value.  However, one of the benefits of SIPPclub Membership is a heavily discounted fee of 1 per cent of your fund value (minimum fee £1,995), from an experienced independent financial adviser with SIPP and SSAS expertise.  Your fee covers advice and recommendations on all your pension transfers, and full assistance in setting up your new SIPP or SSAS.  Should you require on-going assistance, which is completely optional, the adviser will charge 0.5 per cent per year of your fund value.  This is roughly half the typical annual charge for such advice. 

A SSAS is set up by an employer, usually for its business owners, directors or key personnel. It will normally have at least one years trading accounts.  It often allows two members to join the scheme for the same fee, effectively halving the cost compared to two individual SIPPs. 

A SSAS is not regulated by the Financial Conduct Authority.  Whilst there is no Financial Services protection available with a SSAS, you won't generally be required to seek advice from an independent financial adviser regarding the setting up of your SSAS or the investments within it. 

If you have a defined benefits (final salary) scheme you'd like to transfer, in line with Financial Conduct Authority guidelines, it'll need to be fully analysed first, to ensure it's appropriate and worthwhile for you to give up the guarantees of the scheme.  We can introduce you to a comprehensive final salary pension review service. It's provided by a Financial Conduct Authority regulated firm of independent financial advisers that over the last 25 years has advised around 100,000 pension clients nearing or in retirement.  It has experience of both SIPP and SSAS.

Apply For Evolution SIPP Or SSAS

If you’d like to be introduced to a SIPP or SSAS operator to take advantage of Evolution SIPP or SSAS, please login to the SIPPclub Members Area, and then return to this page where you’ll find details of how to proceed.


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AJ Bell Is Often The Best Value SIPP For Stockmarket Assets

That's our opinion.  Not just because AJ Bell was the first company to offer an online SIPP.  Nor that it's received many prestigious awards.  And not even because the wife of SIPPclub's Founder has an AJ Bell SIPP.  It's because it's one of the most competitive stockmarket SIPPs on the market. 

Over time, charges can wipe out a huge part of your fund.  We like AJ Bell because there are no set-up costs.  If you hold passive funds, which is our preference, or shares, investment trusts, EFTs, gilts or bonds, you pay one small fixed fee no matter how large your fund.  And when you come to draw your benefits either as occasional drawdown or UFPLS payments, there's a small charge for the whole year no matter how many times you access your money (many SIPP and SSAS providers charge more than this for each payment).  However, you should always compare charges in detail, because AJ Bell could be more expensive than other providers, depending on the type of stockmarket assets you hold.

Visit AJ Bell

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As SIPPclub neither advises on, nor arranges, nor recommends specific investments or strategies, we're unable to say whether a SIPP or SSAS or any investment within it is right for you. Ultimately, it’s your money and your decision, and you should only proceed once you're satisfied you've undertaken sufficient due diligence. If you need advice, you should speak to your trusted adviser, or you could find a local adviser from Unbiased.co.uk.  Alternatively, we'd be pleased to introduce to a suitably qualified independent financial adviser.

Please read our full Terms which includes criteria for SIPPclub membership.