Small Self Administered Scheme

SSAS (Small Self-Administered Scheme)

 

As a business owner planning for retirement, a SSAS is a powerful pension scheme for you and your family.

You become a trustee of your own pension scheme, thereby achieving maximum control of your financial planning.

A SSAS can have between 1 and 11 members, ordinarily consisting of owners, directors or key employees of your company.

The following investment options makes SSAS a particularly attractive vehicle for small business owners:

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• Commercial property (which can be leased back to your company or a third party)

• Loans (your SSAS can lend to your company or a third party)

• Borrowing (you can raise funds in your SSAS by borrowing from a bank or any other party, including your company)

• A full range of standard investment options (e.g. Unit Trusts, Stocks and Shares, Insurance Company Funds etc)

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Finally, as the SSAS is held outside of your estate and following recent changes in legislation, you are generally able to pass down death benefit pension funds to your loved ones in a highly tax-efficient manner. The SSAS may therefore provide financial security for generations to come.

If you are interested in establishing a new SSAS or have an existing SSAS and would like to discuss your options, please contact us for an initial consultation.