What Can a SSAS Pension Invest In? A World of Opportunities Awaits
When it comes to SSAS pension investments, the options are surprisingly diverse. Small Self-Administered Schemes (SSAS) offer a level of flexibility that can make your head spin. But fear not, dear reader, for we’re about to embark on a journey through the exciting world of SSAS pension investment accounts.
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What is a SSAS?
Picture this: you’re the captain of your own pension ship, steering it through the choppy waters of the financial world. That’s essentially what a SSAS is – a Self-Administered Pension Scheme that puts you in control.
A SSAS is a type of occupational pension scheme, typically set up by company directors or key staff. It’s like a tailor-made suit for your retirement savings, offering bespoke investment choices and tax benefits.
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What Can a SSAS Pension Invest In?
Hold onto your hats, folks, because the list is longer than you might think:
- Commercial property
- Stocks and shares
- Unit trusts and bonds
- Gold bullion
- Intellectual property
- Loans to another non-connected limited company
And that’s just the tip of the iceberg! The SSAS pension investment rules allow for a wide range of assets, giving you the freedom to create a truly diversified portfolio.
SSAS Pension Investment Rules
Before you go wild with your SSAS pension investments, there are some rules to keep in mind. The taxman doesn’t want you having too much fun, after all.
- Investments must be made for the sole purpose of providing retirement benefits.
- Certain investments, like residential property, are off-limits (more on that later)
- There are limits on how much you can invest in your own company.
It’s a bit like playing Monopoly but with real money and actual retirement consequences. Always consult with a professional before making any big moves.
Difference Between SSAS v SIPP
You might be wondering, “What about SIPPs? Aren’t they the same thing?” Not quite, my friend. While both are self-invested pension schemes, there are some key differences:
| Feature | SSAS | SIPP |
|---|---|---|
| Membership | Limited to 11 members | No member limit |
| Control | Shared among members | Individual control |
| Loans to sponsoring employer | Allowed | Not allowed |
| Property purchase | Can pool resources | Individual only |
Can SSAS Invest in Residential Homes?
Can SSAS Invest in Commercial Property?
Now we’re talking! Commercial property is like the golden child of SSAS investments. Your SSAS can purchase offices, shops, warehouses, and even your company’s premises.
Imagine being your own landlord, with your pension paying you rent. It’s like playing Monopoly but in real life!
Can you lend money to a limited company using SSAS?
Can I transfer my existing pension into a SSAS?
Yes, in most cases, you can transfer other pension pots into your SSAS.
Can I access my SSAS pension before retirement age?
No you can’t access your SSAS before age 55 (rising to 57 in 2028) without incurring hefty tax penalties.
Are SSAS pensions regulated by the FCA?
No, SSAS pensions are regulated by The Pensions Regulator, not the Financial Conduct Authority.
SSAS and Property Trading: Building Your Retirement Brick by Brick
Property trading, which involves strategically acquiring and selling property for profit, offers a tangible alternative to other SSAS pension investment opportunities. By allowing investors to create value through savvy purchases and improvements rather than backed by first charge security.
We’re offering you the chance to get involved in property investment without the hassle of dealing with tenants or fixing leaky taps. Here’s the deal:
We are seeking sophisticated investors to participate in our property trading venture. This opportunity is only suitable for certified high net worth individuals or sophisticated investors as defined by the Financial Conduct Authority.
Our strategy involves acquiring and trading residential and commercial properties to generate returns. We anticipate holding periods of 6-24 months per property. Target returns are not guaranteed and will only be discussed after you qualify. Your capital is at risk.
Investors would provide loans secured against specific properties. The minimum investment is £100,000. The funds would be used solely for property acquisition and improvement costs.
This is an unregulated collective investment scheme. Your capital is at risk, and returns are not guaranteed. Past performance is not indicative of future results. The value of property investments can go down as well as up.
Please consult an independent financial advisor before investing. This is not a regulated financial promotion and has not been approved by an authorised person.
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For the right pension trustees, we offer:
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If you’re looking to make a difference while making a profit, we might just be your perfect match. If you’re a pension trustee looking to make a real impact while potentially enhancing your SSAS returns, Property Saviour could be your ideal investment partner. Let’s discuss how we can work together to create value – both financial and ethical – in the property market.
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