Thursday, September 18, 2025
  • About
  • Write for us
  • Contact
Today News
  • Business
  • Tech
    AI chip on a sleek black background, symbolizing advanced artificial intelligence technology.

    How AI Can Optimise Cash-Out Functionality

    Illustration of AI technology transforming the workplace, showcasing robots and humans collaborating on tasks.

    NSFW AI Generator from My Dream Companion Redefines Visual Storytelling

    Nano Banana

    Nano Banana: Google’s Game-Changing AI Image Tool with Amazing Consistency

    Mental Health

    Mental Health Barriers Older Adults Face Due to Social Stigma

    Man typing on a laptop computer, focused on his work in a well-lit environment.

    The Coming Flatine Beep of AOL’s Dial Up Service – Are There People Still Using Dial Up?

    ChatGPT

    India’s IT Sector Embraces ChatGPT Alternatives: The Rise of Specialized AI Chatting Tools

    Digital Transformation

    The Role of Drupal in the UK’s Public Sector Digital Transformation

    Looking out from a window at a vibrant UK city street, with vehicles and people navigating the urban landscape.

    Smart Transport: AI Solutions for UK’s Urban Mobility Challenges

    AI Agents

    5 Tips for Using AI Agents in the Best Possible Way

  • Consumer
    Understanding the Baby Monitor Market: What’s Driving Growth and Innovation

    Understanding the Baby Monitor Market: What’s Driving Growth and Innovation

    Craving Connection: Why Food Gifting Is the New Love Language

    Craving Connection: Why Food Gifting Is the New Love Language

    How to Celebrate Milestones from Afar: The Rise of Digital Gifting in the UK

    How to Celebrate Milestones from Afar: The Rise of Digital Gifting in the UK

    How to adjust glasses at home – a step-by-step guide!

    How to adjust glasses at home – a step-by-step guide!

    Why quality toilet cubicle hardware matters

    Why quality toilet cubicle hardware matters

    Common Mistakes in KYC Identity Verification

    Common Mistakes in KYC Identity Verification

    Consumer habits

    British Furniture Market Sees Significant Changes in Consumer Preferences

    Why are high-street bookmakers declining in the UK?

    Why are high-street bookmakers declining in the UK?

    Straps for smartwatches: The Complete guide

    Straps for smartwatches: The Complete guide

  • Finance
    Visual guide on starting a business plan, highlighting key accounting and finance elements for new entrepreneurs.

    Finance vs accounting: Key differences and career paths

    The Role of Blockchain in Sports Beyond Cryptocurrency

    The Role of Blockchain in Sports Beyond Cryptocurrency

    Smartphone displaying a stock chart with fluctuating lines and data points.

    CHIPS Act Shake-Up: How Washington’s Plan Impacts Tech and Industry Stocks

    sifx.com: What’s Behind the Growing Buzz Among Traders?

    sifx.com: What’s Behind the Growing Buzz Among Traders?

    Georgia’s Free Industrial Zones (FIZ): A Strategic Choice for Crypto Businesses?

    Georgia’s Free Industrial Zones (FIZ): A Strategic Choice for Crypto Businesses?

    Senior Citizen in a wheelchair

    How to Support and Manage Your Parents’ Financial Decisions Through Dementia

    Mobile Apps for Managing Finances: What to Choose in 2025

    Mobile Apps for Managing Finances: What to Choose in 2025

    Bank Branch Presence in the UK: Then and Now

    Bank Branch Presence in the UK: Then and Now

    Financial graph illustrating investment performance

    Tradock Explained | What This Trading Platform Offers

  • Environment
    Five Ocean Discoveries That Could Change How We See the World

    Five Ocean Discoveries That Could Change How We See the World

    Choosing the Right Sustainability Partner: How Eco-Efficient Tech Transforms Industry

    Choosing the Right Sustainability Partner: How Eco-Efficient Tech Transforms Industry

    Moving Abroad? Here’s What to Expect – and Why Cardboard and Plastic Waste Removal Is Essential After Unpacking

    Moving Abroad? Here’s What to Expect – and Why Cardboard and Plastic Waste Removal Is Essential After Unpacking

    How Weather Events Like Heavy Rain or Heatwaves Affect Pest Activity

    How Weather Events Like Heavy Rain or Heatwaves Affect Pest Activity

    Building a Carbon-Competitive Advantage with Sustainability and Decarbonization Consulting

    Building a Carbon-Competitive Advantage with Sustainability and Decarbonization Consulting

    The Lost Art of Orienteering: Why Map and Compass Skills Still Matter

    The Lost Art of Orienteering: Why Map and Compass Skills Still Matter

    Sustainability in Dining: Reducing Waste for a More Profitable Future

    Sustainability in Dining: Reducing Waste for a More Profitable Future

    Environmental Benefits

    What Are The Environmental Benefits Of Choosing Eco-friendly Rubbish Removal In Croydon?

    Why You Should Hire Waste collectors for efficient waste removal

    Why You Should Hire Waste collectors for efficient waste removal

  • Property
    Red door labeled "Fire Exit Keep Clear," indicating it should remain unobstructed for safety.

    Fire door compliance: Essential considerations for contractors and housebuilders

    Furnished Apartments

    London Serviced Apartments: A Growing Trend Among Modern Travellers

    Close-up of Bungalow Houses

    The Key Reasons Park Bungalows Are A Smart Investment

    Discovering the Charlie Oven The Rural Ranges Ltd Approach

    Discovering the Charlie Oven The Rural Ranges Ltd Approach

    Sleek and Sturdy Bathroom Glass Shelves for Modern Homes

    Sleek and Sturdy Bathroom Glass Shelves for Modern Homes

    How to Streamline Your Home Expenses

    How to Streamline Your Home Expenses

    How To Plan Your Home Improvements in Six Easy Steps

    How To Plan Your Home Improvements in Six Easy Steps

    Budgeting for a House Sale: What Most Sellers Forget

    Budgeting for a House Sale: What Most Sellers Forget

    Home and business removals: Streamlining your move

    Home and business removals: Streamlining your move

  • eCommerce
    Ecommerce Platform

    What Makes a Global Ecommerce Platform User-Friendly

    From 1688 to shopee: the singaporean seller’s guide to paying china suppliers

    From 1688 to shopee: the singaporean seller’s guide to paying china suppliers

    The Importance of Digital Valuations for UK Ecommerce Brands

    The Importance of Digital Valuations for UK Ecommerce Brands

    Blink-and-Buy: Designing Checkouts That Convert in Under 10 Seconds

    Blink-and-Buy: Designing Checkouts That Convert in Under 10 Seconds

    High Stakes Strategies: Lessons E-commerce Entrepreneurs Can Learn from Casinos

    High Stakes Strategies: Lessons E-commerce Entrepreneurs Can Learn from Casinos

    Amazon Expert

    Amazon Expert: Key Qualifications to Look For

    Boosting Ecommerce Revenue with Smart Targeting Strategies

    Boosting Ecommerce Revenue with Smart Targeting Strategies

    Personalized Shopping: How Technology is Transforming Retail

    Personalized Shopping: How Technology is Transforming Retail

    How Can Ecommerce Businesses Learn From Entertainment Platforms?

    How Can Ecommerce Businesses Learn From Entertainment Platforms?

No Result
View All Result
Today News
Home Finance

Why a SSAS Pension Could Be the Key to Early Retirement

Claire by Claire
February 21, 2025
Reading Time: 5 mins read
Pension
85
VIEWS
Share on FacebookShare on TwitterShare on LinkedIn

Most pension schemes aren’t designed with entrepreneurs in mind; they don’t cater to people who are used to taking risks day in and day out. Usually, a typical pension plan asks you to contribute to it monthly; in most cases, your employer contributes too. Then, you cross your fingers for decent growth over the next few decades and hope inflation doesn’t affect your savings. Of course, this might sound like a good deal to everyone else, but for you and most business owners, it just doesn’t cut it. You’re used to making bold moves in business, so why should you settle for a pension that doesn’t allow you to call the shots? That’s why we will explore a scheme that perfectly merges smart business decisions with retirement planning, enabling you to retire early.

We’ll examine what you must do to navigate these pension rules and manage investments.

Related posts

Visual guide on starting a business plan, highlighting key accounting and finance elements for new entrepreneurs.

Finance vs accounting: Key differences and career paths

September 16, 2025
463
The Role of Blockchain in Sports Beyond Cryptocurrency

The Role of Blockchain in Sports Beyond Cryptocurrency

September 12, 2025
566

Understanding SSAS Pensions

The type of pension you consider usually depends on factors like your type of work, what you are comfortable with, and what is available to you. For example, if you are a government worker, you can try out the Civil Service Pension Scheme, a Defined Benefit (DB) pension type that promises you a specific income at and after retirement. 

If you are a teacher, you could use the Teachers’ Pension Scheme, another DB scheme tailored for educators. However, these traditional defined-benefit pension schemes often fail to meet business owners’ needs. 

The other more popular option is the Standard Defined Contribution (DC) scheme, which can be a great alternative. Still, it limits where your funds can be invested, which can leave you with little control over your retirement savings. This lack of flexibility can be frustrating and borderline annoying. This is where options like SSAS pensions (Small Self-Administered Scheme pensions), a type of Defined Contribution pension, become the perfect choice.

So, what exactly does a Small Self-Administered Scheme pension mean? First, it is a workplace pension that a business owner or employer can “self-manage” for their employees or other members. 

Generally, there can only be one SSAS per company or business, accommodating less than 12 members. Each scheme member is regarded as a trustee who can decide where their pension savings should be invested, and the investment options are considerably large, especially compared to those other pension options offered. This scheme is highly popular because it brings together the best advantages you could ask for. For starters, it provides all the benefits of an HMRC-approved pension, the security of a trust structure, and the flexibility of an occupational pension.

SSAS Pension for Early Retirement

SSAS pensions are a strategic tool for business owners and entrepreneurs who want to retire on their terms. Let’s examine why this tool is a game changer and how to make it work for you:  

  1. Investment Control

Entrepreneurs thrive on control, and an SSAS delivers precisely that. Imagine investing your pension pot directly into commercial property your business uses, shares in your own company, or high-reward assets like cryptocurrency. These choices aren’t just about diversification; they are catalysts to your pension’s growth. As a business owner, you don’t have to settle for decades of slow-and-steady growth when your pension could work with your business. You could decide to tap into high-potential opportunities and not just save for retirement but actively build towards it at a faster pace.

  1. Tax Efficiency

With SSAS pensions, you get some significant tax perks, for example:  

  • Contributions are tax-deductible.  
  • Investments grow free of capital gains tax.  
  • Take 25% of your pot tax-free at retirement.  

This tax efficiency means more money stays invested, compounding faster to accelerate your retirement timeline.  

  1. Higher Return Potential

Most pensions stick to low-risk investments like bonds or generic funds managed by third-party fund managers using safe bets rather than growth engines. An SSAS pension flips this script. You can use your pension pot to fuel your business directly, lending it capital at commercial interest rates. This means your retirement savings grow alongside your company, earning returns that traditional pensions can’t dare to match. And if you’re comfortable with volatility, SSAS permits investments in high-reward assets like private equity or even cryptocurrency (though most advisors cap exposure to 5-10% of the fund). 

These carry risk, but they’re the only way to outpace inflation and traditional pension returns. However, you have to know that the key to harnessing this successfully is balance. You have to pair stable assets like property with strategic, higher-risk bets, and your pension could grow exponentially faster than the average saver’s.

  1. Wealth Succession

Unlike many pensions, SSAS funds can bypass inheritance tax entirely when passed to beneficiaries, as long as the pension remains outside your estate (valid till 2027). Your family could inherit 100% of your savings, not a reduced post-tax portion.

For business owners, this is transformative. You retain control over how the fund is invested even after death, ensuring your wealth supports your future generations on your terms. 

Risks and Real Talk

You can’t be a passive saver and think SSAS is for you. It isn’t. You are going to be in charge of investments, compliance, and avoiding errors like overloading on cash, which is subject to inflation, or the risk of investing in assets that can cause you to lose your savings. Yes, High-risk assets like crypto can supercharge your investment growth, but diversification is key. Also, you should consult an FCA-regulated financial adviser for proper guidance. 

A Smarter Path to Early Retirement

If you’re a business owner and care about retiring early, consider an SSAS pension. Why? Because it offers unmatched control, investment flexibility, and powerful tax advantages. Plus, it allows you to grow wealth strategically, whether it is through business loans, commercial property, or high-return investments like cryptocurrencies. With proper planning and expert guidance, an SSAS pension can be the key to unlocking early retirement on your terms.

Claire

Previous Post

How to Choose the Right Fire Assembly Point Signs for Your Business

Next Post

Bridging Africa’s Energy Gap in 2025: A Defining Moment for the Continent’s Future

Related Posts

Visual guide on starting a business plan, highlighting key accounting and finance elements for new entrepreneurs.
Finance

Finance vs accounting: Key differences and career paths

September 16, 2025
463
The Role of Blockchain in Sports Beyond Cryptocurrency
Finance

The Role of Blockchain in Sports Beyond Cryptocurrency

September 12, 2025
566
Smartphone displaying a stock chart with fluctuating lines and data points.
Finance

CHIPS Act Shake-Up: How Washington’s Plan Impacts Tech and Industry Stocks

September 5, 2025
568
sifx.com: What’s Behind the Growing Buzz Among Traders?
Finance

sifx.com: What’s Behind the Growing Buzz Among Traders?

September 2, 2025
557
Georgia’s Free Industrial Zones (FIZ): A Strategic Choice for Crypto Businesses?
Finance

Georgia’s Free Industrial Zones (FIZ): A Strategic Choice for Crypto Businesses?

August 29, 2025
571
Senior Citizen in a wheelchair
Finance

How to Support and Manage Your Parents’ Financial Decisions Through Dementia

August 26, 2025
570
Next Post

Bridging Africa’s Energy Gap in 2025: A Defining Moment for the Continent’s Future

RECOMMENDED NEWS

Starting Small, Dreaming Big: The Art of Low-Cost Investment

Starting Small, Dreaming Big: The Art of Low-Cost Investment

2 years ago
578
Journey Through History and Culture

Exploring the UK: An Unforgettable Journey Through History and Culture

12 months ago
393
Woman seated on the floor, using on her laptop, surrounded by a comfortable and inviting space.

How Online Casinos Keep At-Home Gamers Engaged and Entertained

2 weeks ago
520
Substances Driving Public Health Challenges in the UK Today

Navigating Sensitive Discussions About Alcohol Use in Relationships

8 months ago
41

BROWSE BY CATEGORIES

  • Business
  • Careers
  • Charity
  • Consumer
  • Culture
  • eCommerce
  • Education
  • Energy
  • Engineering
  • Entertainment
  • Entrepreneurs
  • Environment
  • Fashion
  • Finance
  • Food & Drink
  • Gaming
  • Gardening
  • Health
  • Insurance
  • Interiors
  • Legal
  • Leisure
  • Lifestyle
  • Manufacturing
  • Marketing
  • National
  • News
  • Opinion
  • Pets
  • Politics
  • Property
  • Sales
  • Sport
  • Sports
  • Tech
  • Transport
  • Travel
  • Uncategorized

BROWSE BY TOPICS

Agency AI autosmart banking Beauty business Christmas construction cyber security data digital Digital Marketing Services ecommerce entertainmnet finance fitness Forex health inflation insurance kitchen KYND lifestyle manchester music News north overseas Personal Injury Pharmaceutical Industry property Real Estate recruitment Sir Michael Morpurgo Skincare sports technology tourism travel UK vehicles Warkworth village watch workspace yorkshire

Latest news

Red door labeled "Fire Exit Keep Clear," indicating it should remain unobstructed for safety.

Fire door compliance: Essential considerations for contractors and housebuilders

September 17, 2025
Modern office interior with several desks and ergonomic chairs for employees.

How to Find a Bigger Managed Office for Your Business

September 17, 2025
Why Professional Brand Photography Drives eCommerce Conversion Rates

Why Professional Brand Photography Drives eCommerce Conversion Rates

September 17, 2025
AI chip on a sleek black background, symbolizing advanced artificial intelligence technology.

How AI Can Optimise Cash-Out Functionality

September 16, 2025
Illustration of AI technology transforming the workplace, showcasing robots and humans collaborating on tasks.

NSFW AI Generator from My Dream Companion Redefines Visual Storytelling

September 16, 2025
Visual guide on starting a business plan, highlighting key accounting and finance elements for new entrepreneurs.

Finance vs accounting: Key differences and career paths

September 16, 2025
HTML Templates

The Power of HTML Templates: A Shrewd Choice for Present day Web Design

September 16, 2025
Surfacing UK

Smart Surfacing UK: Innovative and Safe Surfaces for Sports and Play

September 16, 2025
Nano Banana

Nano Banana: Google’s Game-Changing AI Image Tool with Amazing Consistency

September 16, 2025
Mental Health

Mental Health Barriers Older Adults Face Due to Social Stigma

September 16, 2025

Today News

  • About
  • Write for us
  • Contact
  • Privacy Policy

@2024 Rooftree Publishing Ltd

Today News in association with Kajino.com

Sign up for our newsletter




  • Business
  • Tech
  • Consumer
  • Finance
  • Environment
  • Property
  • eCommerce

Recent News

Red door labeled "Fire Exit Keep Clear," indicating it should remain unobstructed for safety.

Fire door compliance: Essential considerations for contractors and housebuilders

September 17, 2025
Modern office interior with several desks and ergonomic chairs for employees.

How to Find a Bigger Managed Office for Your Business

September 17, 2025
No Result
View All Result
  • Home
  • Business
  • Tech
  • Consumer
  • Finance
  • Environment
  • Property
  • eCommerce
  • Write for us
  • About
  • Contact