One of the key benefits of a SSAS is the variety of investment options available. The wide range of investment opportunities, provide flexibility, control, and tax efficiency for the SSAS member. By understanding the available options and by utilising professional advice, members can maximise the benefits of their SSAS and help to secure a prosperous retirement.
Due to the range of investments available, it is not been possible to cover off everything here, so please feel free to contact us should you have any queries.
In normal circumstances the following investments are allowed by GPC Premier SSAS Limited, but we reserve the right to decline an investment if we believe it is non-standard, unregulated, or presents clear and obvious risks of significant loss.
— Agricultural Land*
— Authorised Employer Loans*
— FCA authorised collective investment schemes including Unit Trust and Open-Ended Investment Companies
— Deposit Accounts in any currency held with an institution authorised under the FSMA 2000
— Direct investments in UK Commercial Property/Land*
— Exchange Traded Funds on a UK or on the primary Stock Exchange of an EEA member state
— Funds Compliant with the Undertakings for Collective Investment in Transferable Securities (UCITS) Directive
— Gold Bullion (investment grade) via The Royal Mint
— Government Bonds issued by a member state of the European Economic Area (EEA)
— Investment Portfolios (Discretionary or Execution only)
— Investment Trusts listed on the London Stock Exchange or on the primary Stock Exchange of an EEA member state
— National Insurance products excluding Premium Bonds and Pensioner Bonds
— Permanent Interest-Bearing Shares
— Real Estate Investment Trusts listed on a primary recognised stock exchange
— Structured Products compliant with the UCITS Directive
— Stocks and Shares listed on the London Stock Exchange including the Alternative Investment Market or on the primary Stock Exchange of an EEA member state
— Share Portfolios/Stock Broking accounts
— Third Party Loans to unconnected companies*
— Trustee Investment Plans comprising FCA regulated funds
— UK Government Treasury Bills/Gilts
— UK Real Estate Investment Trusts (REITs)
— Woodland*
*If investments are permitted, they will generally be subject to certain conditions, restrictions and/or due diligence prior to approval
Given the complexity and variety of investment options, we strongly recommended that SSAS Member Trustees seek advice from an FCA authorised financial adviser, or investment adviser to ensure any investments align with the Member Trustees financial goals and risk profiles.
A SSAS can invest in a diverse range of assets, including:
However, all investments must comply with HMRC rules.
Whilst a SSAS (Small Self-Administered Scheme) is registered with HMRC and The Pensions Regulator (where more than one member) it is not regulated by the FCA. Therefore, if any investments fail, they may not always be covered by the Financial Services Compensation Scheme (FSCS). The FSCS does however, provide protection for FCA regulated investments and advice. Therefore, if the SSAS has appointed an FCA regulated financial adviser to provide investment advice, the following scenarios apply:
We understand that some clients may need alternative communication methods, such as large print, braille, or telephone support. If you require assistance, you can call your Customer Service Manager, our general telephone number or complete the contact form below and we will be pleased to help you.
