SSAS pensions
Fancy getting more from your SSAS by investing in the property market? Invest your SSAS pension with UOWN to take advantage of our commercial property investments.
Smart pensions for small businesses
SSAS pensions allow savvy small businesses to invest their pension pot in order to grow returns for employees.
All made possible by the power of the crowd.
What is a Small Self Administered Scheme?
A Small Self Administered Scheme (SSAS) is a type of workplace pension scheme known as a defined contribution scheme.
It is usually set up by directors of a company in order to gain more control and offer more flexibility over where contributions are invested.
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Capital at risk. Tax treatment depends on the individual circumstances of each client and may be subject to change.
Self managed, more freedom
A SSAS pension scheme can be set up and managed by the employees of a business, as there is no interaction required with financial institutions, hence the name small self-administered scheme.
Members of the scheme can choose how their money is invested, which offers investment opportunities that aren’t available with other types of pension.
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Capital at risk. Tax treatment depends on the individual circumstances of each client and may be subject to change.
Invest for your business, and your loved ones.
One major benefit of a SSAS pension fund, particularly to a small, family-run business, is that members can include people who don’t actually work for the company, such as family relations.
SSAS pensions help your employees and their families invest for their retirement, together.
SSAS pensions are a tax efficient way to invest
The contributions you make are eligible for tax relief, and for basic rate tax-payers this amounts to a 25% tax top up. In other words, HMRC will add £25 for every £100 you pay into your pension.
You can also reclaim additional tax relief through your annual tax return if you pay a higher rate of tax.
Investing in a SSAS pension
SSAS pensions can be a powerful, tax efficient way for your company to contribute to pensions, but there are some investment rules and terms to follow.
One pension per company Only one SSAS pension fund is allowed in one company. You cannot open multiple SSAS pensions to accommodate larger groups.
A maximum of 11 investors Membership of the scheme is capped at 11 people. This total applies to named beneficiaries inside and outside of the company.
Putting you first We factor your interest payments into the balance of the loan, leaving you with a simple and manageable lump sum figure.
Investing in commercial debt Banks may be hesitant to give access to finance for a development that requires a lot of work.
Drawings from 55 Trustees can start to draw benefits from the scheme from the age of 55, but not sooner.
Tax free benefits You can take the first 25% of your fund as a tax-free lump sum, or you can receive 25% of each withdrawal tax-free.
No limit on withdrawals Withdrawals are subject to the normal rate of income tax, although there is no cap on the amount you can withdraw.
Assets held for trustees All SSAS pension fund assets are held in the name of the trustees. It is recorded that each individual member holds a proportion.
Why invest with UOWN as part of your SSAS?
By holding investments with UOWN as part of your SSAS you can enjoy the following benefits:
- Access to investments sourced by experts.
- Tax efficient property investments.
- Our service is completely transparent and you are kept informed of progress with your investment.
- Diversify your retirement investment portfolio by investing in commercial property.
SASS pensions FAQs.
Can I invest through a SIPP or a SSAS pension?
When do I get my capital and interest back?
Is interest I earn through pension lending taxable?
How do I set up a pension lending account with UOWN?
UOWN is a platform offering anyone the ability to invest and potentially earn money from property at the click of a button. Giving the ownership of UK property back to the people.
Help and Resources
UOWN is a trading name of U Own Exchange Limited. UOWN, 3rd Floor, Northgate, 118 North Street, Leeds, LS2 7PN
House prices can fall as well as rise and you may not get back all of the money you invest. Rates of return quoted on our website are estimates only and are not guaranteed. Investments are not protected under the Financial Services Compensation Scheme.
For more details please see our in depth risk statement.