Frequently asked questions
Here we seek to address some frequently asked questions on the HL Vantage SIPP.
If you are looking for more general information on pensions, please see Pensions Questions.
If you're unable to find what you're looking for, please do not hesitate to phone us on 0117 980 9926 (Monday to Friday 8:30am to 6:00pm) or email us.
Applying
- How do I apply for the HL Vantage SIPP?
- What are the differences between a SIPP and a stakeholder pension?
Eligibility
- Am I eligible for an HL Vantage SIPP?
- Can I take out a SIPP alongside other pensions?
- Can I open a SIPP for my child / grandchild?
Contributions
- How much can I contribute?
- Do I have to contribute a minimum amount?
- Can my employer make contributions?
- How do pension contributions work for higher rate tax payers?
- Can I use existing holdings to contribute to the SIPP?
Transfers
- Can I transfer my existing pension into the SIPP?
- Can I transfer Protected Rights into the SIPP?
- Can I transfer an ISA to the SIPP?
Investments
- Do I have to decide where to invest my money straightaway?
- Do you offer help with the investment choices?
- Can I invest in residential property?
- Can I invest in commercial property?
- Can I change my investments?
- Can I earn interest on cash held within the SIPP?
- Can I deal and view my SIPP online?
- How secure are the cash and investments held in the SIPP?
Contracting out
Retiring
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Have a question?
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(Mon - Fri, 8:30am - 6pm)





