Once you hold cash in your SIPP, either from contributions you or your employer has made or from transfer of previous pension schemes, you have the choice of where to start investing. The way you invest your money is entirely in your hands and with the help of your financial adviser you can select your investments from a wide range of assets, everything from stocks and shares to commercial property. If you are looking for support in managing your investments, you may also choose to have an investment adviser, discretionary fund manager or a stock broker.

With the Harsant SIPP you will receive regular bank statements, valuations from your investment manager of how your fund is performing and an annual review. The golden rule of investment within the Harsant SIPP is simply in giving you the greatest diversity possible when choosing your investments. The investments permitted include:

• Stocks and shares
• Gilts and Bonds
• Units in an authorised trust scheme
• Shares in an open ended investment company
• A freehold or leasehold interest in commercial property, including land.
• Hotels, nursing homes and public houses.

For a full list of permitted investments, download the Harsant SIPP brochures.

The tax relief you receive with the Harsant SIPP doesn't stop with your savings. All investment growth is free from Capital Gains Tax as well. The scheme can borrow money to purchase an asset, a property purchase for example. The borrowing is limited to 50% of the net value of the fund immediately before the borrowing has taken place.