Investments

Most people will use investment funds provided by insurance companies or investment houses.

Self-Directed Investment

However some schemes will allow for Self-Directed Investment. These schemes, Small Self Administered Schemes (SSASs) and Self-Invested Personal Pensions (SIPPs), are designed for people who own/run their own business or professional practice.

These types of schemes can:-

• Invest in commercial property - e.g. buy a factory, then rent it to the company, thereby channelling tax-deductible rent into the pension fund.
• Invest in shares
• Make loans
• Borrow - up to 50% of net asset value. Security is not required legally. However, in practice, lenders usually require security.

Any transaction which involves those people directly involved with both the business and the pension scheme should to be very carefully assessed for legitimacy.

For more information, please contact us.