Why choose a SSAS?


What's a SSAS?

A SSAS (Small Self Administered Scheme) is a type of employer pension scheme that allows you to save for retirement in a tax efficient and flexible way.  If you take out a SSAS, you can choose to invest your money in wide range of investments, including commercial property.


A business will often set up a SSAS for directors and key employees.


Note: a SSAS can have no more than 11 members at any one time and all members must also be trustees.


Why save in a SSAS?

Here are some of the main benefits of taking out a SSAS:

  • Tax efficiency

    • Tax relief on contributions

    • No income tax on investments

    • No capital gains tax on investments

    • Tax free lump sum at retirement

  • Income from when you’re 55 years old (lump sum or regular)

  • Wide range of possible investments, including:

    • Lending money to your employer at 1% above the Bank of England’s (minimum) base rate.

    • Commercial property or land, including your employer’s.

However, you can’t access your pension fund before age 55 and any income you take from the SSAS will also be taxed as income.  You (or your financial adviser) also need to actively manage your investments to ensure you make the most of your money.


Why choose a Xafinity SSAS?

Quite simply because we are committed to providing you with the best customer service and support directly from our specialist administration team. You will be allocated one person in our administration team to deal with all aspects of your SSAS – a “single point of contact” for you and your financial adviser.


With our SSAS, you only pay for the services you use and we’re flexible on the services we offer.


We also have a wealth of SSAS knowledge and experience; after all, we’ve been administering SSAS for over three decades.


Our SSAS is also designed to last a lifetime, enabling you to both save for retirement, and then when the time is right, take an income via ‘drawdown’ from the very same arrangement.  Easy!


To find out more about SSAS, we recommend you contact a financial adviser.  For more information about finding a financial adviser, click here.


To find out more about the Xafinity SSAS, see:

Contact our SSAS Team


01786 237 050


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Xafinity SSAS
Scotia House
Castle Business Park

SSAS Glossary

View the SSAS Glossary.