Self-Invested Personal Pension (SIPP)

Invest through a Self-Invested Personal Pension with Kuflink, provided in partnership with Morgan Lloyd: a regulated SIPP provider.

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Earn tax-free returns investing pension funds within SIPP to property-backed P2P loans.

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Funds are automatically diversified across a portfolio of property loans

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Up to 5% pa targeted returns

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Your Kuflink account is set up by your pension provider. They set up and administer an account on your behalf

What is a Self Invested Personal Pension (SIPP)?

A type of Personal Pension Scheme, SIPPs allow individuals to make their own investment decisions from a range of approved investments - P2P lending included. SIPP providers decide which investments they offer.

How does a SIPP work?

Morgan Lloyd enables clients to allocate a part of their pension assets to the Kuflink platform. This means that it is possible to diversify a pension portfolio to include peer to peer loans alongside other investments such as stocks and shares and funds.

Investments made by a SIPP onto the Kuflink platform operate in a very similar way as a regular Kuflink account. It is important to note that any deposits or withdrawals into SIPP accounts are made between Kuflink and your SIPP bank account – the SIPP bank account is set up by Morgan Lloyd.

If you already have a SIPP with another provider it is possible to open a second SIPP, or to consider a SIPP transfer (please speak to your current provider as there are likely to be charges involved in doing so).

If you would like to invest part of your self-invested pension plan onto the Kuflink platform, it will be necessary for you to open a SIPP with a provider that has an agreement with Kuflink. If you already have a Sipp with another provider it is possible to open a second SIPP, or to consider a SIPP transfer (please speak to your current provider as there are likely to be charges involved in doing so).

Why invest through a SIPP?

Tax advantages

check_circle_outline No tax on income, other than equity dividends

check_circle_outline The ability to reclaim some tax deducted at source of income

check_circle_outline No tax on capital gains

Tax relief and lump sum benefits

Contributions should attract tax relief, and lump sum benefits payable on death or at retirement are usually free of all taxes (including inheritance tax on lump sums payable on death)

Which products can you invest in via SIPP?

SIPP funds will be automatically diversified across a pool of commercial property loans. It is not possible to invest SIPP funds in our Select-Invest or Auto-Invest products.

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Pension Provider offering SIPP via the Kuflink platform

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Established in 2003, Morgan Lloyd is one of the fastest-growing professional trustee companies in the UK. Their innovative approach presents clients with the ability to explore many investments opportunities.

There is no minimum investment, but the SIPP provider will charge fees.

Kuflink will not deduct any fees from the returns quoted for any investment made through a SIPP but our SIPP provision partner Morgan Lloyd will do so directly.

Kuflink is not authorised to provide financial advice. We cannot make recommendations regarding your Small Self Administered Pension Scheme investments.

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