Investing Through Your SSAS

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If you are a business owner or high net worth individual, you might already have a SSAS pension. Some of our members are already investing into our investment opportunities via their SSAS, enjoying the benefits this type of pension offers.

For those that haven’t heard of a SSAS before, it stands for Small Self-Administered Scheme, the members of which are usually owners, directors or key employees of a sponsoring employer. Whilst subject to the same rules relating to contributions and benefits as conventional insured arrangements, the SSAS is a bespoke pension vehicle which offers much greater flexibility and control over the investment of the scheme’s assets.

Typically, A SASS pension would be suited to:

  • business owners interested in succession planning
  • entrepreneurs wanting to invest pension savings in their business
  • high net worth individuals seeking more control over their pension savings

SSAS registered with HMRC may enjoy tax-exempt status, all investments made will be free of Capital Gains Tax, and contributions to the SSAS will receive tax-relief (if contributions are made by a “Relevant UK Individual”). Basic rate tax relief can be claimed by the SSAS itself, and any higher rate tax would be claimed through the member’s tax return. However, it should be noted that the vast majority of SSAS do not reclaim tax on members contributions as this would require the scheme Trustee / Administrator applying for Relief at Source via HMRC.

Tax relief on personal contributions is calculated at the person’s marginal rate of income tax, and for company contributions it is calculated as the company’s marginal rate of corporation tax.

If you are interested in finding out more, please let us know by emailing info@shadowfoundr.com and we will you with further details.

Shadow Foundr cannot and does not advise and guidance from the SSAS Trustee or Administrator is required.

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