We have updated section 3 in our Terms and Conditions of Business that explains how client money is held and protected under the rules of the Financial Conduct Authority’s Client Assets Sourcebook (CASS). There is no change to the way your money is managed. The update is to provide clearer and more transparent information. View our Current Terms and Conditions of Business

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We have updated section 3 in our Terms and Conditions of Business that explains how client money is held and protected under the rules of the Financial Conduct Authority’s Client Assets Sourcebook (CASS). There is no change to the way your money is managed. The update is to provide clearer and more transparent information. View our Current Terms and Conditions of Business

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Learn about SIPPs

Who can open a Family Pension Trust (FPT) or Group Scheme?

A Family Pension Trust (FPT) or Group Scheme is designed for individuals who want greater control and flexibility over their pension savings. However, due to its structure, level of responsibility, and investment flexibility, it is not suitable for everyone and is typically intended for individuals with more complex pension needs and higher-value funds. Who can […]

How to apply for a Family Pension Trust (FPT) or Group Scheme

Applying for a Family Pension Trust (FPT) or Group Scheme with Alltrust involves a structured process to ensure the scheme is set up correctly, meets regulatory requirements, and reflects the needs of all members. Because an FPT is a trust-based pension arrangement, the application process is more detailed than a standard personal pension and requires […]

What is a Family Pension Trust (FPT) or Group Scheme

A Family Pension Trust (FPT) or Group Scheme is a flexible, trust-based pension arrangement that gives you greater control over how your retirement savings are managed and invested. It combines the benefits of a personal pension with a trust structure, allowing individuals—and in some cases groups of people—to manage pension funds in a tax-efficient way. […]

Appointing a DFM or Investment Manager

You may choose to appoint a Discretionary Fund Manager (DFM) or investment manager to run some or all of your SIPP investments. What Does a DFM Do? A DFM: Makes day‑to‑day investment decisions on your behalf Operates within an agreed investment mandate Trades assets without requiring your instruction each time Appointing a Manager with Alltrust […]

Due Diligence on SIPP Investments

Alltrust carries out due diligence to ensure investments held in our SIPPs meet regulatory and administrative standards. All investments must go through our internal due diligence process and as such some may be refused. What Alltrust Reviews Depending on the investment, this may include: Legal structure Regulatory status Custody arrangements Valuation methodology Liquidity and exit […]

Our List of Investment Providers

Alltrust works with a wide range of: Investment platforms Discretionary Fund Managers (DFMs) Stockbrokers Property providers (UK commercial property only) We have a preferred list of DFMs as follows: Platform One (Alltrust Platform); 7IM; A J Bell Investcentre; Brooks Macdonald; Canaccord; Hubwise; KleinwortHambros; LGT Vestra; Quilter Cheviot; Rathbones; RBC Brewin Dolphin; Scottish Widows Platform (Embark); […]

What are Standard vs Non Standard Investments

Investments within a SIPP fall into two broad categories: standard and non‑standard. Understanding the difference helps you appreciate costs, risks and administration requirements. Standard Investments Standard investments are widely traded, transparent and relatively liquid. Examples include: Listed shares Funds and ETFs Investment trusts Cash deposits Investment‑grade bonds These investments generally have: Regular market pricing Established […]

What Happens When a SIPP Investment Fails

Unfortunately, investments can fail or become illiquid. If an Investment Defaults or Collapses Possible outcomes include: Loss of some or all of the invested value Suspension of trading or withdrawals Delays in valuation or reporting What Is Alltrust’s Role If an Investment Fails? Investing through a SIPP involves risk, and unfortunately some investments may underperform, […]

What Investments Can I Hold in My SIPP?

A Self‑Invested Personal Pension (SIPP) gives you greater control over how your pension is invested, but not every type of investment is allowed. Alltrust permits a wide range of investments, provided they meet our regulatory and operational requirements. A full and up‑to‑date list of permitted, restricted and unacceptable investments can be found in our Permitted […]

Becoming a Knowledgeable Investor

If you are choosing to make your own investment decisions within your SIPP (Self-Invested Personal Pension), you will be asked to complete our Knowledgeable Investor form in our Document Library. This form helps us understand your experience, financial position, and awareness of the risks involved, particularly where investments are higher risk, non-standard, or complex. This […]
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