Tall Oak SIPP — Frequently Asked Squeaks

A made-up personal pension. Every £80 paid in is topped up to £100 by demo basic-rate tax relief, the pot is locked until age 57, and the projection runs from age 40 to a story retirement at 67. Its story purpose is building a retirement pot with demo tax relief. Everything on this site is fictional; nothing can be applied for.

Yes. It holds a fictional fund that moves every day, so the pages show low, mid and high growth scenarios after charges. The value can end below what was paid in.

0.50% total annual charge; 20% demo tax relief on contributions; growth not guaranteed. The charge is modelled as a deduction from growth.

Minimum / demo annual allowance: £25.00 to £60,000.00 per demo tax year.

No withdrawals before age 57 in the model; from then, up to 25% as a tax-free lump sum and the rest as taxable income.

Every £80 paid in becomes £100 with demo basic-rate relief. Higher-rate relief and employer contributions are not modelled.

Yes. The three fictional investment products hold a made-up fund whose value moves every day, so the pages show low, mid and high growth scenarios after charges rather than a promise. The value can end below the amount paid in.

They hold the same fictional fund; the wrapper differs. The general account has no allowance and no relief. The stocks and shares ISA caps new money at a demo £20,000 a year and applies no tax to growth. The SIPP adds demo tax relief but locks the pot until age 57.

A total annual charge of 0.45% on the account and the ISA and 0.50% on the SIPP, modelled as a deduction from growth. Each product page shows what a 1.00% charge would cost instead.

Every £80 paid in becomes £100 with demo basic-rate relief. Higher-rate relief, employer contributions and allowance tapers are not modelled.

No. It is a cash savings pot with a variable rate that sits in the investments range because of its purpose. It has no growth scenarios and its value cannot fall.