Updated: May 31, 2019

SIPP share dealing

Want to know how you buy and sell shares in a SIPP? Find out how this all works in our detailed guide

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Tony Stevens

Author: Tony Stevens - Finance Expert

Updated: May 31, 2019

We can help! We know everyone’s circumstances are different, that’s why we work with brokers who are experts in pensions. Ask us a question and we’ll get the best expert to help.

Can I hold shares in my SIPP?

Yes! People who hold a SIPP often like to manage their own investments; the good news is that you can hold shares in a SIPP and buy and sell them online.

Share prices fluctuate according to company performance and market trends, and can be influenced by the news. So it could be vital to your SIPP’s performance that you keep tabs on your SIPP share investments.

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Can I invest in unlisted shares through my SIPP?

Yes. If you hold a SIPP, you can purchase shares of a private limited company which aren’t traded on a recognised stock exchange.

There may be some stipulations to buying these unlisted, or unquoted equities which could vary according to your SIPP provider. For example, some SIPP providers may limit the maximum amount of shares you can hold in unquoted trading companies to a particular percentage value of your SIPP investments.

You may also only be able to invest in unlisted shares of companies that have been operating for a number of years to help ensure you’re making a safe and secure bet. Contact us and we’ll connect you with an expert pensions advisor who can help you find a provider that matches your SIPP share investment requirements.

How can I deal SIPP shares?

The good news is that it’s easy to deal shares online!

You can use a search site to find the company you could be interested in dealing in. If you want to deal SIPP shares outside of stock market opening hours, you can place stop loss or limit orders for the price you want to buy or sell a SIPP share at. Rates for dealing SIPP shares will vary according to your SIPP provider who will charge you a dealing commission per shares purchase.

When buying UK shares, you will also be charged the government stamp duty at 0.5% of your shares’ value. Some providers may help you find the best rates for buying shares using AI or other technologies, or provide free research into best buys for shares. The pensions experts we work with can help you find a provider who makes dealing SIPP shares quick and easy and who offers good deal on any fees or share dealing charges.

Can I sell shares?

The answer is yes! Managing and selling your SIPP shares is straightforward, and you can do so without restriction. It’s advisable to look at the historical price chart, current price, and do some more background research on the company.

SIPP shares can be bought using the website of your SIPP provider or possibly their app. Once you’ve confirmed your SIPP shares order, you’ll get a contract note with your deals’ details.

You can even choose to reinvest your dividends back into the company’s SIPP shares.

Can I hold individual shares?

SIPPs offer a wide range of investment choices, and you may choose to hold individual shares within a SIPP or buy share-based funds.

If you’re a first-time SIPP shares investor, it’s often advisable to opt for share-based funds, instead of individual shares. That way, if an individual company fails, your risk exposure is kept within boundaries. You could diversify further and reduce your risk by buying a range of different funds.

If you’re new to the investment arena, speak to one of the pensions advisors we work with and they’ll connect you with a provider with the right package for your SIPP share investment needs.

Can I have SIPP shares in a private company?

You can hold private company shares in a SIPP. However, not all SIPP providers will enable you to do so as there could be issues to do with connected and taxable property. A SIPP provider will reserve the right to decline private company shares investments, or restrict the amount of your pension invested in a private company. A SIPP pension expert will be able to direct you to a SIPP deal that suits your private company shares investment needs.

Can my SIPP pension buy shares in my own company?

Are you a start-up entrepreneur or a long-time company owner? If you’re a business owner, you may want to invest SIPP pension shares in your own company. You can invest in your own company shares in a SIPP, but there may be conditions or restrictions.

Can an unquoted small business invest in SIPP shares?

For an unquoted small business, you may also need an independent valuation before you can invest in it as part of your SIPP pension shares. According to HMRC rules, the combined shareholding in the unquoted company, including the pension fund, the member personally, and anyone else connected must not exceed 19%. Going past this limit would result in huge tax consequences for all parties.

Speak to an expert advisor

It’s common for stipulations in various types of SIPP share investments to vary depending on the SIPP provider you choose.

Call us on 0808 189 0463 or make an enquiry. We’ll connect you to an expert pension advisor who can get you the best SIPP shares deal and answer any further questions you may have about your options.

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We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in pensions. Ask us a question and we'll get the best expert to help.

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Tony Stevens

Tony Stevens

Finance Expert

About the author

Tony has worked in a vastly diverse array of areas in the pensions industry for over 20 years. Tony regularly writes for trade press, usually on topical and pensions pieces as well as acting as a judge at prestigious national events.

Tony is also a highly qualified Independent Financial Adviser in his own right. His mantra has always been “Hope for the best, but plan for the worst”, and believes that the biggest impact that an adviser can have on a client’s life journey is to take them on a journey from generally having little or no real idea of what their retirement will look like, to giving them the understanding of what their retirement looks like now, then helping them navigate a path to what they want their retirement to be.

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