Pension Practitioner
The SSAS Experts

SSAS v SIPP? Guidance from the trusted experts.

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If you are a director of a limited company or small business – you’re missing out on a pension that could be working for you now, not just after retirement.

As the SSAS experts, we are the best resource to de-mystify the benefits of choosing a SSAS pension instead of the more common SIPP.

Firstly, what is SSAS? Don’t let the jargon fool you, all this stands for is a Small Self Administered Scheme. It really is that simple. ‘Small’ because of the size of the company, ‘Self Administered’ because the directors of the company become the trustees of the account. So, how can you benefit? And What’s the difference between a Small Self-Administered Scheme (SSAS) and a Self-Invested Personal Pension (SIPP)?

Key differences

greater investment flexibility and control
can lend to the company
members are usually trustees
usually only available to company directors

open to anyone
can’t lend to the company
type of personal pension – higher running costs
SIPP provider acts as the trustee

They’re both regulated in the same way and in the eyes of HM Revenue and Customs (HMRC), they’re both investment regulated pension schemes, which means that the basic rules surrounding borrowing, lending and investment are exactly the same for both.


A SSAS is a small occupational pension scheme that is set up by the directors of a business that want more control over the investment decisions relating to their pensions and in particular, to use their pension plans to invest in the business. As such, each member of the SSAS is usually a trustee.

Benefit from your pension today

SSAS pension

Unlike a SIPP (Self Invested Personal Pension) with a SSAS, you can lend money from the pension to a connected business. This not only generates a good return for the pension, it creates a sustainable low-cost source of borrowing to your company.

SSAS tax reliefNot only this, but if the borrowed funds are used wholly for business purposes, you can benefit from a double tax relief! Up to half the value of the fund may be loaned back to the business in this way, making it ideal for any expansion plans you may have.

Company Director SSAS familymemmbers2 coinvestmentThe very nature of a SSAS means that as a Self Administered Scheme, you have the freedom to invest in appropriate assets that a more traditional SIPP could deem too risky. Whereas a SIPP is owned by the pension provider, with SSAS, the company directors who set up the scheme are also the trustees.

SSAS pension benefits

You can take advice on how best to run the scheme, but the power is in your hands.

SSAS influence

Combined with the increased purchasing power associated with pooling pension funds of multiple directors, this marks SSAS as a flexible, powerful pension that can bring great investment rewards.

SSAS pension investment

A SSAS is separately registered with HMRC, not only does this allow ring fencing of company assets, it enables the trustees to make appropriate investment decisions. Trustees of a SSAS can invest in commercial property, with the business paying the rent back into the pension to be reinvested. Why would you choose a pension scheme that is restrictive with few rewards, when SSAS are as flexible as any market competitor?

SSAS pension advice

The benefits and freedoms of SSAS mark it out as the clear choice for small business owners, but if you have any further questions, feel free to get in touch with our team at Pension Practitioner for impartial, reliable advice from the SSAS experts!

Call David on 0800 634 4862

Or email for enquiries


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