You can make contributions to the SSAS and get tax relief.
For example, if you’re a 20% tax payer, and you pay in £800, the Government will add £200.

Your company can pay in contributions and get corporation tax relief.
That’s tax relief at 19% on your profits.

You can transfer other pensions into the SSAS and use that money to invest in a more ‘hands-on’ way.
You’ll be far more in control.

All your investments grow tax free.
So, there’s no capital gains tax to be paid on any investments if they grow and you then sell them.

There’s no income tax to pay on any of the investments.
So, rent and loan payments (see below) will be paid without any deductions.

The fund is there for your family when you die.
If you die before age 75, they can inherit the entire fund tax free. If you’re older, then they still inherit the fund, but will usually keep it in place and take a regular income from it.

There are all sorts of ways that a SSAS can invest into property, whether it’s a direct purchase, a shared purchase or a development project.

Check out our property page for further details

It comes with all these additional benefits:

Pay rent to yourself
Rent is deducted from corporation tax
You’re in control – self-manage your property

A SSAS is allowed to lend up to 50% of its value to your company. This could be really useful for any business projects that you’re looking to undertake.

Check out our property page for further details

It comes with all these additional benefits:
Pay the loan monies back to yourself
Loan repayments are deducted from corporation tax
You’re in control – no banks are involved

There’s always small print… and a SSAS is like everything else. You need to understand what it is, what it does, and how you can use it.

Used properly, it is an incredibly powerful tool for pension and financial planning. There are, however, rules and regulations that tell you what you can and can’t do and you need to be familiar with these.

A SSAS is a Trust and comes with a set of Rules that help to govern how it will operate. These rules work in conjunction with

You need to think about the following elements:

Trustee
ship – you’ll act as a Trustee of your own pension scheme. How do you develop that knowledge?

Scheme Administrator – this is an important role. Who performs it and liaises with HM Revenue & Customs?

Investments – what are you thinking of doing, and how will it affect your short term and long term goals?

Advisers & Professionals – who should be part of your team to help you achieve those goals?

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