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Family Pension Trust.

A cross between a SSAS and a SIPP, a Family Pension Trust is for like-minded investors or family members. By combining investment resources, the members can benefit from greater leverage and reduced investment charges.

The Rowanmoor Family Pension Trust was launched in 2006 and is the UK’s first Family Pension Trust. It is structured so that members retain full control over their own pension investments, via separate arrangements within the one scheme. Some or all of the assets can be invested in one or more common funds, widening the investment options and potentially decreasing costs.

what we do.

We act as an independent trustee and scheme administrator, navigating the complexities of pensions and taxation legislation using our in-depth knowledge of the HM Revenue & Customs (HMRC) compliance and audit regime.

This involves providing legal trust documentation to establish the scheme with HMRC and carrying out day-to-day administration.

Our administration services include:

  • Record keeping for scheme investments, income and expenditure
  • Calculating and reviewing benefit payments
  • Pensions technical support and guidance for members
  • Annual preparation of unaudited scheme accounts and member statements
  • Creating reports, claiming tax relief, making payments and liaising directly with HMRC
  • Co-ownership of all assets held as an investment of the scheme

The Family Pension Trust can hold a wide range of asset classes. We consider HMRC permitted investments and apply our own due diligence filter to opportunities. Find out more ›

A Family Pension Trust can purchase and hold commercial property. If you plan to borrow to buy property or move an existing asset into your scheme, read this guide.

Self-invested pensions are complex products. They benefit from investment flexibility and tax advantages, although it’s important to understand the finer details. Visit the pensions technical section of this site ›

useful documents.

Download our Family Pension Trust literature and application forms using the links below. If you have any questions, please call our sales support team on 01722 443742.

View the full list of permitted investments. To appoint a discretionary fund manager or stockbroker please contact us to ensure it is approved.

case studies.

Our case studies show the benefits of pooling assets in a Family Pension Trust.​

Succession planning.

Combining resources, this family secured retirement and death benefits, creating a smooth succession plan.

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Wider opportunities.

By pooling pension assets this couple met the minimum investment threshold of a discretionary manager.

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Business continuity.

Merging their individual SIPPs allowed this couple to retain the company premises at a time of ill health.

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Property purchase.

Property already owned was purchased through a Family Pension Trust and rental income boosted the funds growth.

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