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SSAS Modelling
What Is SAAS Modelling?
SSAS (Small Self-Administered Scheme) modelling refers to the process of managing and structuring a Small Self-Adminstered scheme, which is a type of UK occupational pension scheme. SSASs are often used by business owners and company directors to manage retirement savings in a tax-efficient manner. Here's what it involves:
Key Aspects of SSAS Modelling:
1. Pension Scheme Management:
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Trust Structure: SSAS is a trust-based pension scheme, meaning it is managed by trustees who are usually members themselves. The modelling involves setting up and maintaining this structure.
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Compliance: Accountants involved in SSAS modelling ensure that the scheme complies with HMRC regulations, including contribution limits, benefit payments, and reporting requirements. ​
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2. Investment Strategy:
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Flexible Investments: SSASs offer greater flexibility in investment choices compared to other pension schemes. This might include investing in commercial property, company shares, or loan-back arrangements to the sponsoring business.
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Risk Management: The modelling process involves assessing the risk and return of different investment options, and aligning them with the members' retirement goals.
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3. Tax Efficiency:
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Tax Relief: Contributions to SSASs are eligible for tax relief, and the scheme itself benefits from tax-free growth on investments. Modelling ensures that these tax advantages are maximised.
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Inheritance Planning: SSASs can be used for inheritance tax planning, allowing assets to be passed on to beneficiaries in a tax-efficient manner.
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Benefits of SSAS Modelling:
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Customised Retirement Planning: Tailored solutions that align with both personal and business financial goals.
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Enhanced Control: Members have greater control over investment decisions and pension management.
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Tax Efficiency: Opportunities for tax savings and efficient wealth transfer.
Complete Our SSAS Modelling Assessment Below, To Discover How It Could Benefit You!
Are you looking to manage your retirement savings in a tax-efficient manner?
Business owners
By adopting the right business structure and planning, you could save £1million over the next ten years!
We have the know-how you need.
Benefits to the business owners and high rate taxpayers:
Create a £1million fund through your business
Gain full control of your pension funds
Comes with huge tax savings
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