ARC Self-invested Personal Pension (SIPP)

For intermediaries only

Many people now opt for a more gradual transition from working life into retirement. Our ARC SIPP offers the flexibility to support a phased approach, allowing a seamless transition from saving to taking an income all in one place.

Features and benefits at a glance

  • Seamless transition from tax-efficient pension saving to taking an income
  • Access to around 4,500 investment options (at May 2019) catering for different savings needs, whether a client is building their savings pot or approaching retirement
  • Choose to either sell SIPP assets proportionately or target assets and amount to sell down for uncrystallised funds pension lump sum (UFPLS)
  • Move funds proportionately from SIPP to drawdown or specify assets and amounts
  • Simple transfer process – transfer an old pension to the ARC SIPP

With the ARC SIPP, clients can choose:

  • how much income they take;
  • how to take their income and any UFPLS (after 55);
  • when to start taking income;
  • to keep their money invested until they need it, and
  • when to draw cash lump sums.

What's included?

ARC SIPP - What's included
Drawdown pension? Yes
Flexi-access drawdown? Yes - no limit to income taken from pension
UFPLS Yes
Fund transfer in/out Yes
Minimum transfer value £250
Minimum single/regular contribution £1 each month

The value of the investment, and any income taken from it, can fall as well as rise and isn’t guaranteed. Clients may get back less than they invest. Taking income payments will reduce the size of pension savings and there is a risk that income may run out too soon.

A client must keep any money invested until they take their benefits, which can usually be done any time from age 55.