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TD WATERHOUSE SELF-INVESTED PERSONAL PENSION
TD Waterhouse Self-Invested Personal Pension (Self-Invested Personal Pensions)
        
The Waterhouse Self-Invested Personal Pension gives you flexibility and control over your savings and where they are invested. There is no initial set up fee and you can have easy access to your plan online or by phone. You have readily available normal trading facilities and extensive company research.
Location: UK
Advantages:
1. Full range of investment options; UK & international equities, bonds & gilts, investment trusts, unit trusts, OEICs, REITS and Exchange Traded Funds.
2. Easy access to your plan online or by phone.
3. No initial set up fee.
4. Access to normal trading facilities and extensive company research.
5. Multi currency facility, hold cash in 7 major global currencies (GBP, USD, CAD, EURO, HKD, AUD & SGD).
6. Contributions can be one off and/or regular.
7. Contributions can be made by you or your employer.
Disadvantages:
1. There is an annual allowance of 235,000 in the tax year.
2. The lifetime allowance will be set at 1.8 million by 2010/2011.
3. It is not possible to make withdrawals until the age of 50.
4. Account Management Fee 10 + VAT per quarter will be charged on all inactive accounts.
5. There are no guarantees you will get back the full amount you invest.
Services:
1. You can take benefits from the age of 50 (55 from 6th April 2010) and you don't even have to stop working.
2. You can normally take 25% of the value of your SIPP as a tax free cash sum. The remaining investments can be used to provide you with an income via annuity purchase and or income drawdown.

Min Investments: Apply to confirm
SIPP Options: Yes
Rate: 9.95-19.95 (Flat Rate)
Fees/Charges: 10 + VAT per quarter
Fund Options: N/A

Suitable For:
Making your own investment decisions.
Conditions:
Must be under 75 years old.
Restrictions:
1. You are responsible for making all investment decisions and giving investment instructions directly to TD Waterhouse.
Features:
1. A SIPP from TD Waterhouse lets you choose from a wide range of investment types:
(a) Cash deposits.
(b) UK equities (including AIM).
(c) International equities.
(d) Bonds & gilts.
(e) Investment trusts, unit trusts & OEICs and Exchange Traded Funds.
(f) REITs.
(g) Warrants & Securitised derivatives including covered warrants.
2. You will receive tax relief on yearly contributions up to: 3,600 gross if you are a Relevant UK Individual (even if you have no earnings) or 100% of your UK earnings, whichever is greater.
3. You are responsible for making all investment decisions and giving investment instructions directly to TD Waterhouse.
Terms and Conditions:
1. You must be under 75 years old.
2. You must be a UK resident.
        

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