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I don't know about you but I'm becoming rather disillusioned with the SIPP market and the bad news stories that seem to be more regular and more alarming.

 

For someone who's been involved with the Sipp market since its inception 2014 by any measure was an extraordinary year – and a year of considerable contrasts.

2015 is a watershed for me. It heralds the end of one journey and the start of another. It's difficult to be precise but sometime around 6 April will probably mark the transition point.

Sipps Pro is delighted to welcome Neil MacGillivray, chairman of the Association of Member-directed Pension Schemes, as our latest blogger.
Mr MacGillivray, also h
ead of technical support at James Hay Partnership, will regularly be writing for the website and in his first article below, he explores the latest on pension liberation.

At the time of writing the new pensions landscape is less than four weeks away. And yet quite remarkably no-one seems able to predict with any confidence just how pension savers will respond.

There is much written about why individuals need to be incentivised to save for retirement and the importance of tax relief on contributions in achieving that goal.

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