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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 crowdfunded 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.

What is SSAS?

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.

Peace of mind 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 save for their retirement, together.

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SSAS pensions are a tax efficient way to save

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

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.

Named scheme administator

We factor your interest payments into the balance of the loan, leaving you with a simple and manageable lump sum figure

A range of assets

HMRC allows you to invest in a range of assets, including commercial property.

Investing in commercial debt

Banks may be hesitant to give access to finance for a development that requires a lot of work. We counteract this by using equity

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 a range of products.

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?