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Freezing a pension
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EdInvestor wrote:That way you get access to all the best quality funds to put the money into an pay no annual management charge.
This is, of course, wrong. Investing in funds involves an annual management charge and additional underlying costs (stamp duty, custodian charges etc) whether you invest through a normal personal pension or a SIPP. The charges may even be higher through a SIPP as most SIPP providers lack the economies of scale to negotiate better deals on the AMCs.0
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