Any friend of Limited Company Help is a friend of ii.
Business owners or sole traders can make the most out of Limited Company Help’s partnership with ii to help you achieve your financial goals.
Whether it's our tax-efficient Which? Recommended SIPP, award-winning ISA range or Personal and Company Trading Account options, we've got you covered.
Important information: The ii SIPP is for people who want to make their own decisions when investing for retirement. As investment values can go down as well as up, you may end up with a retirement fund that’s worth less than what you invested. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). Before transferring your pension, check if you’ll be charged any exit fees and make sure you don't lose any valuable benefits such as guaranteed annuity rates, lower protected pension age or matching employer contributions. If you’re unsure about opening a SIPP or transferring your pension(s), please speak to an authorised financial adviser. Please note, partners of ii are paid a referral fee that does not affect the cost of your service plan. Tax treatment depends on your individual circumstances and may be subject to change in the future.
It’s important to understand that the use of Salary Sacrifice or the ii SIPP is not a recommendation and that the ii SIPP is not an Employer, Workplace or Auto Enrolment Pension. You can arrange with your employer to have contributions paid into your ii SIPP via Bank Transfer. The ii SIPP is a Personal arrangement between you and interactive investor, and you are solely responsible for agreeing & monitoring contributions made by your employer.
Why invest for your retirement with a SIPP?
Whether you run your own limited company, are self-employed or a contractor, finding a pension that suits the way you work is essential.
The ii SIPP gives you the flexibility and control to make your own investment decisions through its range of shares, funds, ETFs, bonds and trust. And, it gives you a tax-efficient way to save for your retirement.
What’s more, you can also change, start or stop your pension contributions at any time, allowing you take full advantage of generous allowances and carry-forward rules.
Self-employed tax benefits on SIPP contributions
The tax benefits on contributions will depend on how your business is set up:
Self-employed (Sole trader)
If you're a sole trader, you can contribute to the ii SIPP from your taxable income. You’ll get 20% tax relief from HMRC on top of your contribution. So if you pay £80 into your SIPP, it’ll be topped up with 20% tax relief - turning your pension contribution into £100.
As well as this, you can claim back further tax relief through your self-assessment tax return if you’re a higher or additional rate taxpayer.
Limited company
If you own a limited company, you can make contributions to an ii SIPP directly from your company's pre-taxed income. Depending on your circumstances, you may be able to save on corporation tax & income tax when compared to withdrawing profits via dividends or alternatively you may be able to save income tax, employee & employer National Insurance (NI) when compared to taking a salary.
Tax relief
Each time you contribute to a SIPP from your taxable income, you receive 20% tax relief from the government. If you’re a higher-rate taxpayer, you can claim up to 40% tax relief, and additional rate taxpayers can claim up to 45%.
Tax-free growth
Any investment growth you make within a SIPP is protected from Capital Gains Tax (CGT), dividend tax and income tax.
Tax-free lump sum
You can choose to take up to 25% of your pension tax-free, subject to a maximum of £268,275, once you reach 55 (57 from 2028).
It’s important to understand that the use of Salary Sacrifice or the ii SIPP is not a recommendation and that the ii SIPP is not an Employer, Workplace or Auto Enrolment Pension. You can arrange with your employer to have contributions paid into your ii SIPP via Bank Transfer. The ii SIPP is a Personal arrangement between you and interactive investor, and you are solely responsible for agreeing & monitoring contributions made by your employer.
Why choose the ii SIPP?
Why choose the ii SIPP?
Keep more of what you make
Other SIPP providers usually charge a percentage of your pot. That means you’ll be charged more as your pension grows in value. The ii SIPP is different. With our low, flat fee, from just £5.99 a month, you can keep more of what’s rightfully yours.
Take more control
Combine your pensions into the ii SIPP so you can manage them better. Our SIPP offers a wide range of investments and flexible retirement options to suit most people’s needs. You can also take advantage of our expert picks to get started.
Highly-rated UK-based support
It’s easy to keep track of your pension via our website and secure mobile app. But if you’re ever in need of SIPP support, you can count on us. We’re happy to say that ii has more 5-star Trustpilot reviews than any other UK SIPP provider.
It’s official: three-time Which? Recommended SIPP
For the third year in a row, independent analysts at Which? have recognised the ii Personal Pension (SIPP) for its industry-leading choice, support and value.
Join over 450,000 ii investors and start prioritising your pension, with our award-winning, low-cost SIPP.
Could you pay less in pension fees with an ii SIPP?
Find out if you could save with our flat-fee SIPP compared to other SIPP providers.
Here’s a look at our monthly flat fees at a glance:
- £5.99 a month for pensions up to £50,000
- £12.99 a month for pensions more than £50,000
Important information - Annual charge comparisons based on published SIPP charges on 01/09/2024 for Aviva SIPP, Standard Life SIPP (Level 2 Investment Options), AJ Bell SIPP & Hargreaves Lansdown SIPP. Assumptions: 100% holding in funds - choosing other assets such as shares and ETFs, may result in lower charges. Two fund purchases/sales. Pension charges only, excludes fund manager charges. Read more about our analysis. Source: The Lang Cat.
See how Mark pays less for his pension with ii
“With a lot of providers’ charges, it’s this plus that plus that. Whereas with ii, it’s straightforward. What I pay is what I pay – ii’s fees are just so much cheaper. That’s why I’m with ii.”
Mark, 47, was frustrated with the fees he was paying with his old provider. With ii’s low flat fee, he believes he may be able to retire earlier.
Whatever your financial goals, ii can help you achieve them
Stocks & Shares ISA
Get tax-free investing all wrapped up with our award-winning ii ISA, from just £4.99 a month. Take care of your own investments or let us manage them for you.
Personal Pension (SIPP)
Invest in your dream retirement with our three-time Which? Recommended Self-invested Personal Pension (SIPP). It’s pension peace of mind from just £5.99 a month.
Trading Account
You can invest with no annual allowance with either a Personal or Company Trading Account. Build a diverse portfolio with access to wide range of investment options in a flexible account that’s safe and secure.
How investing with ii works
How investing with ii works
To start investing with ii, you’ll first need to open an account. Choose from our Stocks & Shares ISA, Self-Invested Personal Pension (SIPP) or Trading Account.
You can open your account in less than 10 minutes, either here on the website or through our mobile app.
You’ll need to add cash or start a transfer to your account to start investing. You can do this by making a one-off payment or setting up a monthly direct debit.
Choose from our extensive range of shares, funds, bonds and more. Need help deciding? Get some inspiration from the experts, including our SIPP investment ideas.
When you’ve got cash in your account and chosen your investments, you’re ready to invest. You can also use our free regular investing service. Simply set up a monthly payment to buy your chosen investment, and you won’t pay any trading fees.
Frequently asked questions
Yes, your limited company can make employer pension contributions, which are treated as an allowable business expense. This can reduce your company’s taxable profits and lower your corporation tax bill by 19-25%, depending on your profit level. Contributions must be reasonable and justifiable as part of your overall remuneration.
Yes, you can easily set up ii SIPP pension contribution through your limited company. You can set regular or ad hoc contributions. Check out our guides for both below:
You can contribute 100% of your annual income to your SIPP each tax year, up to the maximum annual allowance of £60,000. This annual allowance includes personal contributions, employer contributions and tax relief.
Employer contributions count towards your £60,000 annual allowance but are not limited by your income.
Yes, as a limited company director, you can make both personal and business (employer) contributions to an SIPP (Self-Invested Personal Pension).
How It Works:
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Personal Contributions – Made from your post-tax income. You’ll automatically receive 20% tax relief, and higher-rate taxpayers can claim additional relief through self-assessment.
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Business (Employer) Contributions – Made directly from your company, reducing taxable profits and potentially lowering your corporation tax bill (19-25%, depending on profit levels). These contributions are not limited by your salary but must be wholly and exclusively for business purposes to qualify.
You can use both methods, but the total contributions must not exceed the £60,000 annual allowance (unless using carry forward).
For every personal payment you make into your SIPP from your net income, we’ll automatically claim basic rate (20%) tax relief for you. So, if you contribute £80, this will be topped up to £100.
Once your tax relief has been sent to us by HMRC, we’ll pay it as cash into your SIPP account, so you can choose how to invest it.
If you’re a higher rate (40%) or additional rate (45%) taxpayer, you can claim back the rest of your tax relief through your annual Self Assessment.
Yes, you can have a SIPP and a workplace pension and can pay into both at the same time. Just make sure your total contributions don’t exceed your annual allowance.
Once you’ve maximised your employer pension contributions, paying into a SIPP can be a great way to complement your workplace savings.
Find out more about Workplace pension vs SIPP.
Have a question about ii? We can help.
Call our award-winning UK-based support team on 0345 646 2390 between 8am-4.30pm, Monday to Friday.
How can Pension Wise help?
If you’re thinking about retiring soon and want to understand your options, contact Pension Wise. Pension Wise is the government’s free and impartial pension guidance service. They can also help you decide if transferring your pension is right for you.
Another helpful place for all things pensions and personal finance is MoneyHelper. It offers free guidance and tools to help you get to grips with your money.
