Pension Trustees

Providing business owners with a greater level of control.

SSAS specialists

A Small Self-Administered Scheme (SSAS) is a type of pension that can be set up with between 1 and 12 members, via a trust deed effected by the directors of limited companies for themselves, senior executives and selected employees, though they can also include family members, even if they are not employees.

Unlike personal pension solutions, a SSAS gives business owners more control over the use and investment of monies in the pension scheme, including owning property or other assets, or loaning money back to the business – all subject to conditions.

Benefits of a SSAS

Low costs

There’s one single set of charges regardless of how many scheme members there are, reducing the cost of administering the pension.

Tax efficiency

Not only do employer and member contributions receive tax relief at the appropriate rate, investment income and gains within the scheme (apart from some dividend income) are generally exempt from Income Tax and Capital Gains Tax.


Funds from other pension arrangements can be put into a SSAS, as can contributions from the company or a member attracting tax relief.


You can invest the funds within a SSAS into stocks and shares style investments in line with your scheme’s attitude to risk.


It offers your business greater flexibility on where the scheme’s assets can be invested. For example, you may be able to purchase a trading premises and rent it back to the business, paying the rental income into the scheme (subject to conditions).


The SSAS can borrow money for investment. For example, the SSAS may raise a mortgage to assist with the purchase of the company premises by the scheme and the mortgage repayments may be covered by the rental income the company pays into the SSAS.

Could a SSAS benefit your business?

We’re specialists in providing Small Self-Administered Schemes, which are ideal for many businesses and partnerships as a flexible and tax-efficient pension solution with a low set-up cost.

Get in touch today to see if taking out a SSAS could help your business.

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Contact us

To arrange a free initial consultation, contact our team today.

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