You could lose all of your money invested in these products. These are high-risk investments and are much riskier than a savings account.
Our product is only suitable for high net worth, self-certified sophisticated, advised, investment professionals and institutional investors.

SIPPs are for investors who want flexibility and control

WiseAlpha Products can be held as part of your Self-Invested Personal Pension (SIPP)

How to invest in WiseAlpha products via your pension

In order to invest in WiseAlpha products via your pension, you need to have a SIPP account open with one of the SIPP trustees that WiseAlpha has an agreement with: Westerby or Morgan Lloyd.

Once your SIPP account is setup, you can let your SIPP administrator know that you wish to invest in WiseAlpha products and the administrator will complete the WiseAlpha account formalities on your behalf.

If your SIPP is with a different provider, it may still be possible to make WiseAlpha investments with that SIPP provider. However we will need to contact your SIPP provider to approve them and vice versa. Please email and we will be happy to speak with them.

More coming soon…

Import Information

Capital at risk, instant access not guaranteed. No FSCS protection.

WiseAlpha makes no recommendations or statements on behalf of any of the providers; nor do we provide any guidance or advice to investors on how to choose their provider.

Saving for retirement requires careful consideration. In many cases investors will benefit from the support of a financial advisor to help select an appropriate investment portfolio taking into account factors such as their return objectives and risk appetite. A financial adviser can also help to decide which SIPP operators may or may not be most suitable.

Other Types of Accounts

Please remember WiseAlpha products are investments not savings. Capital at risk. No FSCS protection.

Frequently Asked Questions

Email our investing team if you have any unanswered questions.

What is a Self-Invested Personal Pension (SIPP)?

A HM Revenue and Customs approved personal pension scheme designed for investors who want flexibility and control over their investment strategy, including the asset classes in which their pension fund is invested.

Where can I find general information about SIPPs?

Pension Wise is the government’s free, impartial pension guidance service, created to help you understand your retirement options. Visit or call 0800 138 3944 to find out more.

How much is the pension annual and lifetime allowance?

Normally you can pay as much into your pension as you earn each year, up to a maximum of £40,000. This is known as your annual allowance. Transferring pensions between providers doesn't use up your annual allowance. The usual £40,000 annual allowance is cut for people with annual income of more than £150,000. The allowance reduces by £1 for every £2 of income above £150,000, down to a minimum of £10,000 for those with income of more than £210,000. Non-taxpayers and children can also make pension contributions of up to £2,880 a year (making £3,600 with basic-rate tax relief).

The lifetime allowance is a limit to the amount you can save in your SIPP or other pension over your lifetime. The allowance is currently £1.055 million – you will pay tax on any pension savings you make in excess of this. The excess is taxed at 25% (plus Income Tax) as income or 55% as a lump sum.

Pension carry forward rules let you make contributions above your annual allowance. If you paid in less than your annual allowance in any of the past three tax years you can carry forward the unused allowance, as long as you had a SIPP or other pension in place for each of the three years and your total contributions don’t exceed your current earnings.

What are the benefits?

• A SIPP puts you in control – always know where your money is invested and how it's performing

• A SIPP provides generous tax benefits on the contributions you make to the account as SIPP plans are free from Capital Gains Tax (CGT) and Income tax

• You cannot withdraw money from your SIPP until the age of 55, however you can normally take up to 25% of your SIPP as a tax free lump sum from this time

• SIPP funds can often pass to your spouse free from inheritance tax should you die before taking the benefits

Tax treatment depends on individual circumstances and is subject to change.

What are the tax benefits?

Investments in SIPPs grow free from Income Tax and Capital Gains Tax. You also get tax relief on your pension contributions. Any money you invest in your SIPP will be topped up by 20% by the taxman, and higher or additional-rate taxpayers can claim back a further 20% or 25% respectively. Tax relief is limited by your annual earnings and the pension annual allowance.

Tax relief on pension contributions

Here we show you how three investors paying different Income Tax rates get tax relief on a £12,500 contribution into a SIPP or other pension:

Children and people who don’t pay tax can also make pension contributions of up to £2,880 a year. With basic-rate tax relief this will make a total contribution of £3,600 a year into the SIPP or other pension.

Why invest with WiseAlpha using a SIPP?

• Gain exposure to the senior secured and high yield bond market with your SIPP

• Pension funds are the largest investor base in the senior secured and high yield market highlighting the attractiveness of the asset class for self-investing pension investors

I already have a SIPP trustee already but they aren’t on your approved list.

It may still be possible to open a WiseAlpha SIPP investment with that SIPP provider however we will need to contact your SIPP provider to approve them and vice versa. Please email and we will be happy to talk with them.

I already have a SIPP. Can I open another one?

Yes, you can have more than one SIPP. This means you can also open a SIPP with one of our approved SIPP trustees. You can also switch from your current SIPP to one of our approved SIPP trustees