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Why choose a SSAS and what makes them unique?

Small Self Administered Scheme (SSAS)


SSASs are widely considered the pinnacle retirement vehicle.


Typically established by a limited company on a defined contribution basis, this type of scheme is primarily set up to provide retirement benefits for company directors, key staff and even family members. It is typically established for directors and its members to access greater flexibility over how their pensions are invested. The number of members within a SSAS is capped at 11.

Most SSASs have a principal employer associated to it and appointed members are classed as member trustees. All investment decisions must be unanimously agreed and in line with the trustee’s investment strategy. Each member entitlement from a SSAS is dependent on the money that has been paid in by the company and this amount belongs to the individual commonly referred to as ‘fund share’.

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  • A tax free lump sum on retirement known as Pension Commencement Lump Sum (PCLS).

  • Flexible methods to take retirement benefits after the age of 55

  • Any company and personal contributions are deductible against tax

  • All allowable investments within a SSAS are free from income tax and capital gains due on disposal.

The SSAS was one of the earliest pension schemes that introduced the concept of ‘self’ investment and has long been considered the pinnacle retirement vehicle. In recent times,  Self Invested Personal Pension (SIPP) has taken much of the limelight but in comparison does not offer the same level of flexibility found within a SSAS.


In our opinion, a SSAS is still the go-to vehicle for entrepreneurial business owners who wish to operate their pension scheme in conjunction with their business. It provides the following features...

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Ability for multiple members to consolidate historic pensions and pool funds together to purchase a variety of assets.

Assets can include typical insurance products but can also extend to commercial property. In the case of commercial property, the SSAS is eligible to borrow a percentage of the scheme value to assist with the purchase. This can include the business premises which can then be leased back to you or any third party.

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Access to a loanback – this allows the establishing employer to access a loan from the SSAS which is the standout benefit.

The potential to purchase an equity stake in your business.

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The above benefits can be difficult to navigate, with various rules in place, that must be adhered to. We have over 50 years of experience specifically assisting members in manoeuvring around these flexibilities and possess the required technical knowledge to get the most out of your retirement savings. We act as professional trustees to ensure we can assist our clients in the best manner possible.
If you would like further information, please feel free to arrange a telephone or video call.

Why Choose a SSAS: Services
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