Gold and Your Pension
Have you considered investing in physical gold as part of your retirement planning?
Gold and Your Pension
If you are a UK taxpayer, you may be eligible for tax relief on pension contributions at your highest marginal rate (currently up to 45% for additional-rate taxpayers), subject to HMRC rules and your individual circumstances. You should always seek advice from a qualified financial adviser before making any pension investment decisions.
Tax relief is available on eligible pension contributions up to the applicable annual allowance, which is currently £60,000 (as at 15th July 2026), although lower limits may apply depending on your income and pension circumstances. Investment growth within a registered pension is generally free from Capital Gains Tax (CGT), and UK investment-grade gold bullion is exempt from VAT.
Ways to Invest in Physical Gold Through Your Pension
There are several ways to gain exposure to physical gold within a pension:
- Invest through an existing Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS), where permitted.
- Transfer some or all of an existing pension into a SIPP or SSAS that allows investment in physical gold.
- Make contributions to a new SIPP or SSAS and use those funds to purchase eligible gold bullion.
Before proceeding, it is important to confirm that your SIPP or SSAS provider permits investment in physical gold, as not all pension providers offer this option. Once this has been confirmed, your pension can purchase eligible bullion through an authorised bullion dealer, who can help you select suitable bar or coin sizes based on your investment objectives and the pension scheme’s requirements.
To preserve the tax advantages of your pension, all investments must comply with HMRC rules and the regulations governing SIPPs and SSASs.
Through SIPP and SSAS arrangements, investors can own physical gold that is fully allocated, segregated, securely stored and insured, with holdings recorded in the name of the pension scheme and scheme member. This enables pension investors to benefit from the security and transparency of physical bullion ownership while retaining the potential tax advantages and flexibility offered by these pension structures.
To find out more about having some gold in your pension please click here:
For UK and European buyers
Established in 1796, FCA-registered and a Full Member of the LBMA (London Bullion Market Association). They are a wholly owned subsidiary of the Degussa Group (recognised as one of Europe’s leading sellers of physical bullion). They also have an online pension portal / trading platform – available to all pension clients, SSAS and/or SIPP, at no additional cost.
If you want to find out more about them then please click on the link below:
For US and Canadian buyers
You may want to look at the Hard Assets Alliance. They are part of GBI, one of the largest gold dealers in North America which manage about $5 billion. They are part of the National Coin and Bullion Association, members of the London Bullion Market Association, and their President is on the advisory board of the World Gold Council.
If you want to find out more about them then please click on the link below:
For US and Canadian investors, you can also get a Free Guide. Please click on this link to find out more about that.
Want to Learn More About Turning Your Cash into Gold?
FAQs
How much do I need to invest?
Initially, you should have at least £1,000 with a view to allocating over £5,000 to gold and gold investments.
Over time you can build on your portfolio, but you need to be able to invest a meaningful amount of capital, with a view to being able to invest more.
I need to be clear that I don’t touch your money. I simply show you how to convert some cash to gold and how you can put your own portfolio together.
I help you construct something that’s right for YOU. Remember, the aim is really simple – to protect what you already have with physical gold and grow your wealth through a diversified range of investments.
Important: You must speak with a professional financial adviser before buying or selling any financial products
How do I book my virtual session with you?
Once you are signed up to The Gold Program then drop me a line at simonpopple@brookvillecapital.com and we will set up a call. The call will last 30 – 45 minutes.
What if I invest and don't see any benefit?
If you don’t see a benefit of 8% (across your entire portfolio) after 10 months, then please arrange a call with me to see if I can help.
I would like to know what set up you have in your portfolio (how many defenders, midfielders, forwards etc) as well as what you’re aiming to do.
It’s important that you follow the system that I set out using a Fantasy Football set up (which includes a Stadium – Physical Gold as well as a Training Ground – a Fund).
What if I get stuck or have a problem?
If you get stuck or have a problem after you’ve signed up, then let’s have a call. It’s important for me that you understand what to do.
I've never invested before, will this program work for me?
Although the Gold price has grown by an average of over 10.6% per year since 2000, there are no guarantees on returns. ALL investments require taking risks. If you’re not comfortable taking ANY risks then The Gold Program is not for you.
You should always speak with a Financial Advisor to get advice before buying or selling any shares.
Can I book a call with you before investing to make sure this is the right fit?
Of course, if you’d like to have a chat before investing then please get in touch. The only thing I’d say is that you probably need to invest at least £5,000 with a view to investing more (you do this yourself, I don’t touch your money). So if you’ve got less than this then I’m afraid this is unlikely to be suitable for you.
I like people to have enough to take several positions, so they’re diversified. With less than £5,000 it’s difficult to do this.
How do I access all the bonuses?
All of the listed bonuses will be sent to you immediately at the point of purchase. This can be accessed by clicking the link after payment on the website and, should you need to re-download later, through your emails.
If I buy physical gold, do I need to take delivery of it and insure it?
Although you can choose to get it delivered to your home and insure it yourself, I’d strongly suggest that you buy it from a dealer who can store and insure it on your behalf (a lot can do this). This saves you the hassle of getting suitable storage at home (such as a safe) as well as having to deal with your insurers.
I never take delivery of ANY of my gold or silver.