The content of this website has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion for the purpose of engaging in investment activity may expose an individual to a significant risk of losing all of the property or assets invested.
Grow your pension pot with property-backed bonds. Invest Smart Legals bonds through your SIPP and benefit from tax relief and attractive fixed returns.
A Self-Invested Personal Pension (SIPP) is a type of personal pension that gives you full control over how your pension funds are invested. Unlike standard workplace or personal pensions that offer a limited range of funds, a SIPP allows you to choose from a much wider selection of investments — including property-backed bonds from Smart Legals.
SIPPs are regulated by the Financial Conduct Authority (FCA) and offer the same tax advantages as any other registered pension scheme. Contributions receive tax relief, and your investments grow largely free from UK income and capital gains tax within the pension wrapper.
By investing Smart Legals bonds through your SIPP, you combine the attractive fixed returns of property-backed bonds with the powerful tax advantages of pension investing, helping your retirement savings grow faster.
Basic rate taxpayers receive 20% tax relief automatically. Higher and additional rate taxpayers can claim further relief through their tax return, effectively reducing the cost of investing.
All returns earned within your SIPP are sheltered from income tax and capital gains tax, allowing your pension to compound and grow more efficiently over time.
A SIPP gives you the freedom to invest in a wider range of assets compared to standard pension schemes, including alternative investments like property-backed bonds.
Smart Legals bonds offer fixed interest rates, providing certainty and predictability for your pension portfolio in an otherwise volatile market.
Investing in Smart Legals bonds through your SIPP is a straightforward process. Here is how it works.
You will need a SIPP with a provider that permits non-standard investments. If you do not have one, we can recommend suitable SIPP providers.
Select the Smart Legals bond series and interest payment method that aligns with your pension investment strategy.
Instruct your SIPP provider to make the investment in Smart Legals bonds on your behalf. We provide all necessary documentation.
Your pension fund earns fixed returns within the tax-efficient SIPP wrapper, growing your retirement savings faster.
Investing through a pension wrapper provides significant benefits that can boost your overall returns.
Depending on your income tax band, you could receive between 20% and 45% tax relief on your pension contributions, significantly reducing the net cost of your investment.
Pension funds are generally outside your estate for inheritance tax purposes, meaning your beneficiaries could receive the full value of your SIPP investments tax-free if you pass away before age 75.
From age 55 (rising to 57 in 2028), you can take up to 25% of your pension pot as a tax-free lump sum, with the remainder available as taxable income.
Adding property-backed bonds to your SIPP diversifies your pension investments beyond traditional equities and gilts, potentially reducing overall portfolio risk.
If you are self-employed or a company director, employer contributions into your SIPP are a tax-deductible business expense, further enhancing the tax efficiency.
Your SIPP investment in Smart Legals bonds is secured by the same legal charge over UK property assets that protects all our bondholders.
Before investing your pension in Smart Legals bonds via a SIPP, please consider the following important points.
Pension funds are generally locked away until you reach the minimum pension age (currently 55, rising to 57 in 2028). Early access is only available in limited circumstances.
As with all investments, your capital is at risk. Smart Legals bonds are not covered by the FSCS. While secured by property assets, returns are not guaranteed.
Your SIPP provider may charge fees for holding non-standard investments. Check with your provider for their specific fee schedule before investing.
We strongly recommend you consult a qualified financial adviser before making pension investment decisions. They can help assess whether SIPP-held bonds are suitable for your circumstances.
Speak to our team to find out how you can invest in property-backed bonds through your SIPP and take advantage of pension tax relief.