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A Small Self-Administered Scheme (SSAS) is a scheme with full investment flexibility and additional benefits for business owners. It is for 11 or fewer members and usually established by company directors, partners or the self-employed, for themselves and their key employees.

A SSAS offers the widest choice of scheme investments, including commercial property with the added benefit of a loan-back facility. This makes SSAS a powerful tool for retirement and business planning.

Scheme members are trustees and retain full control of all aspects of the SSAS’s investment strategy and the payment of any benefits.

What we do

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

This involves supplying the necessary documentation to establish or takeover an existing SSAS, registering it with HMRC and administering the scheme.

Our administration services include:

• Record keeping for scheme investments, income and expenditure
• Calculating and reviewing benefit payments
• Technical support and guidance for member trustees
• Preparation and submission of annual unaudited scheme accounts
• Creating reports, filing and remitting payments to HMRC

Defined Benefit SSAS, a different scheme option

Like a traditional defined benefit scheme, a Defined Benefit SSAS can be used to provide for a specific pension level at retirement without the commitment to fund for future years of service. It also allows for higher contributions, so members can catch up on lost years of pension funding.


Investments held in our self-invested pensions must meet our requirements for permitted assets. Occasionally legislation will affect particular asset types and render them unacceptable, where this is the case the trustees must disinvest.

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The Metro Bank PLC account we set up for each self-invested pension, ie SIPP, FPT and SSAS, is for the purpose of managing all cash payments related to the scheme and is a mandatory requirement.

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Buying commercial property via a self-invested pension can be a tax-efficient way to inject cash into a business and provide regular income in the form of rent.

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One of the benefits of using a self-invested pension is the ability to borrow from within the scheme. This may include borrowing to purchase commercial property or provide benefits.

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The Member Trustees may use the funds within the SSAS to invest in their business through secured loans, known as a loanback.

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Additional Services

Actuarial Consultancy

Our Actuarial team offers commercially aware, understandable solutions for scheme trustees.

Scheme Accountancy

We can assist with pensions related accountancy queries from trustees of schemes not administered by us.

Practitioner Services

Technical support and actuarial services preparing scheme documentation and administration.

Technical detail

Funding Retirement

There are several ways an employer, members or third parties can contribute to a scheme.

Retirement Benefits

Our schemes aim to offer members the widest choice of options for taking retirement benefits.

Death Benefits

Death benefits are paid to a member’s nominated beneficiaries at the discretion of the Trustees.