How do contributions and tax relief work?

Contributions to your Quilter Invest SIPP are treated as net of basic rate tax. Eligible contributions receive 20% basic‑rate tax relief, in line with HMRC rules, claimed on your behalf. Your investments can grow without UK income or capital gains tax inside the pension, and tax may be due when you access your pension, depending on your circumstances at the time.    

For example: 

• If you contribute £1,000 

• HMRC adds £250 

• Your total pension contribution becomes £1,250  

Tax relief usually takes 6–8 weeks to be applied. 

 
Tax relief can only be claimed on personal contributions, not on investment growth, dividends or interest. It is your responsibility to ensure you do not exceed your eligible pension allowances.