A Genuinely Diverse Commercial Vehicle (GDCV) is a HMRC recognised and approved structure through which to receive SIPP and SSAS pension invested monies. We work alongside IFA’s advising them on the product, helping them with the provision of detailed information, concerning the property asset and investment returns through which SIPP and SSAS investment can be made.

We establish GDCV’s for UK and international real estate investments through our corporate structures which have been approved by a regulated body to ensure FSA compliance. Approved by UK Pension Trustee, our investment model allows both individual cash and SIPP and SSAS contributions to be made into our asset-based alternative investments.

There are some basic principles to which clients must adhere, the main ones being:

• Portfolio of a minimum of 3 properties and the portfolio must collectively be worth at least £1m
• No single property can exceed more than 40% of the valued property in the vehicle
• No private use or beneficial use or interest if investing through SIPP / SSAS
• No individual SIPP investor (including any associated person) can own more than 10% of the investment/asset worth
• The GDCV, as an investment vehicle, is structured to give your client the means to invest indirectly in ‘residential’ property in the UK or abroad enabling them to make informed asset-based investment decisions
• Our GDCV is structured as an alternative investment through corporate structures and is not a property fund

Why is a GDCV a good idea?

• Individuals can use cash in SIPP and SSAS funds to invest in Residential Property
• A GDCV is a legislated method for investment
• Investment through a GDCV structure can ensure tax-free growth
• These vehicles provide for smaller minimum entry level investment
• Old pensions and SERPS can be switched to a SIPP