James Hay Partnership – iSipp

Type: Online self-invested personal pension

Minimum investment: No minimum

Minimum – maximum age: From birth to 74

Investment choice:  Over 1,800 discounted funds through the James Hay Investment Centre trading platform comprising collect and select fund ranges, direct equity transactions via Selftrade, cash panel, discretionary fund management panel

Options: Unsecured pension/income drawdown, alternatively secured pension

Charges:  Annual £180, annual income drawdown charge £150, transfers in £50, in specie transfers £50 each,  contribution direct debit amendment £25, benefit calculation £100, review of income limits £100, setting up an investment management account £50, setting up cash deposit with James Hay Partnerships panel £15,  arranging transfer out/annuity purchase £150,  overseas transfer £400, select funds annual 0.75%, collect funds initial and annual  charges dependent on fund, additional charges for Selftrade and DFM services

Commission: Initial up to 3%, renewal up to 3%, plus initial up to 3% on Collect fund range

Contact: www.jameshay.co.uk