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Pension planning for
a Golden Retirement

Excellent

Protect your pension

Gold Pension
Planning

Have you thought about a gold pension or buying gold for retirement?

If you are a UK citizen then you can benefit from up to 45% tax relief when investing in gold as part of your personal pension.

You can claim tax relief up to the maximum annual allowance which is currently £60,000 and furthermore, any gains will be Capital Gains Tax (CGT) exempt subject to rules and guidelines by the HMRC.

We offer investors investment grade gold bars with a purity of 99.99% produced by Argor Heraeus, a "Good Delivery Refinery." The allocated and segregated gold bullion is then stored in our highly secure vault insured through Howden, a leading Lloyd’s of London broker.

There are different approaches to buying physical gold with your pension:

Buy gold through your existing SIPP or SSAS
Transfer part of or the full value of your existing pension to a SIPP or SSAS
Make contributions to a new SIPP or SSAS

Why a SIPP or SSAS?

SIPP / SSAS

Individuals can invest in gold through a Self-Invested Personal Pension (SIPP) while companies must set up a Small Self-Administered Scheme (SSAS). A SSAS is an occupational pension scheme designed for fewer than 12 members and often has an independent professional trustee. Investment flexibility, choice and control are what make both these schemes attractive investment vehicles.

Tax Efficient

In 2006, the UK government allowed individuals to make gold bullion investments into pension plans to increase the choice of investments which can be made in tax efficient ways to prepare for retirement. Depending on your personal circumstance, you could be entitled to 45% tax relief on your pension contributions up to the maximum annual allowance of £60,000. Furthermore, investment gold is VAT free and any gains will be free of Capital Gains Tax (CGT).

Standard Asset

In 2014 the Financial Conduct Authority (FCA) added physical gold bullion to its list of standard assets making it an easily transferable investment should the worst happen to your pension provider. If you already have a pension you can add a new SIPP alongside it or you can transfer an existing pension into a SIPP.

Gold for Pensions

How can I
get started?

The Sharps Pixley Pension Gold is a specific product for SIPP and SSAS scheme investment. We have outlined the process and made it as simple as possible for you to get started with smart pension retirement planning today. Follow our 4-step process below and if you have any questions, please contact the team and we’ll be happy to help.

Instruct your Independent Financial Advisor (IFA), wealth manager or pension provider to contact us to set up your account. You will need to have an existing SIPP or SSAS scheme which permits you to hold physical gold in your pension scheme.

OPEN ACCOUNT

We provide the relevant SIPP / SSAS application form which you and the provider must complete, sign and return to us. Upon receipt, we will open your Sharps Pixley Pension Gold account.

INVESTMENT PROCESS

Once your account is set up we will contact you to discuss your investment and effect any gold trade required. We provide a trade confirmation to you and your trustee, who will authorise the transaction and instruct transfer of funds. Once funds are received your metal is segregated and allocated after which there is no counterparty risk.

STAY INFORMED

Through our secure online platform you can buy, sell or simply monitor the performance of your gold investment. Hard copies of your account summary and performance are available upon request should you prefer not to have an online account.

Opening an account

To get your gold pension up and running, select from the application forms below.

SIPP Applications

Please download the SIPP Application Form, complete and send to your provider.

DOWNLOAD SIPP APPLICATION FORM

SSAS Applications

Please download the SSAS Application Form and submit to us.

DOWNLOAD SSAS APPLICATION FORM

Pension Gold Vaulting

The storage fee is 0.3 % p.a based on the market value of the gold. Sharps Pixley require two years of fees to be paid in advance and will add a 0.6 % premium to the purchase price to reflect this. Any fees thereafter will accrue and be settled when the gold is subsequently sold. You will receive the sale proceeds less or plus any fees that have either accrued or were already paid in advance, depending on the investment term.

Protect Your Pension

Physical gold is a proven safe haven asset that has historically retained its value against inflation providing long-term protection for your pension.

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