Pension that puts you in control

With the Heritage SIPP you'll benefit from:

	Wide investment choice
	Choose from more than 2,000 funds, shares, investment trusts, gilts, corporate bonds, exchange traded funds, and cash.
	Low costs
	No fee to set up your SIPP, no fee to transfer in other pensions or make a contribution and often no annual management fee. SIPP charges & interest rates.
	All switches are free of any charges
	Control of your pension
	Option for self select your own funds or ask us to provide you with a portfolio that we will manage
	Share dealing available through Selftrade
	Option to purchase Commercial property
	Your portfolio from us will be rebalanced every 3 months to keep in-line with your investment objectives
	Receive our monthly news letter
	No formal paper application forms
	Valuations twice a year
	On-line password protected valuations 24/7
	Immediate access to your consultant during office hours
	Meeting with your consultant once a year or if not practicable, a telephone conference call
	Manage your SIPP by e-mail, phone or post - this makes it easy to monitor your SIPP and change your investments. Managing your SIPP online.

If you ever have a question about SIPPs or pensions in general you can call our specialist helpdesk - no call centres or automated answering systems - just friendly, knowledgeable people.

Easy to start a SIPP

You can apply online for the Heritage SIPP at any time. Contribute a lump sum or start a monthly direct debit. Applying should take no more than 10 minutes to complete. To transfer your existing pensions to the Heritage SIPP you can apply on-line now.

• Transfer an existing pension to a SIPP
• Investment ideas for your SIPP
• Tax benefits of a SIPP
• SIPP charges & interest

How Do I Invest in a Pension?

Step 1: Complete the appropriate Investment Questionnaire depending on whether or not you wish to receive an income from your investments.

Step 2: We will check through your questionnaire, assign you a client number and email you links to the appropriate product application form(s) and compliance documentation.

Step 3: Upon receipt of your completed documentation and funds, we will invest your monies into the recommended products as per your stated risk profile.

Step 4: Once the policy is set up, we will provide our excellent ongoing support package. For more details, click here.

The value of investments can go down in value as well as up. It is therefore important that you understand the risks and commitments. So you can make informed decisions yourself we aim to provide you with the best information, best service and best prices. If you are unsure about the suitability of an investment please contact us for advice.