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Allowable Investments

Whilst there is greater control and flexibility in relation to investments from a SSAS, it is important to note that the overriding legislation imposes taxes to discourage certain investments. 

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This is why we insist on being a co-signatory to the scheme bank account, so we can help mitigate the chances of your scheme being imposed by a hefty tax charge. 

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Acceptable investments included are:

  • Bank and Building Society deposit accounts

  • Stocks and shares

  • Unquoted shares*

  • Commercial property and land (including hotels)

  • Trustee Investment Plans and Bonds

  • Executive Pension Plans

  • Loans to a sponsoring company*

  • Third party loans to an unconnected company

  • Hedge Funds

  • Unit Trusts/OEICS

  • Investment grade gold bullion

  • Traded Options**

  • Copyrights*

*Subject to certain limits and criteria.

**Provided the maximum loss is limited. Investments can be made in the UK and, in principle, overseas, and can be made jointly with other investors if need be. 

Your SSAS can buy or sell assets from/to you, your family or your business, provided the transaction takes place at market value. Whilst a scheme can hold an interest in a property investment LLP, income and capital gains are subject to income tax and capital gains tax accordingly. 

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