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 Security code
 

Designed for clients.

 

A principal feature of the Dentons SSAS is the flexilibity it provides when it comes to investment options. An extensive range of opportunities is listed below: for more detailed information please click on the relevant tab.

A minimum fund value of £50,000 is required.

Standard assets.

We consider the following investments to fall under the category of 'standard'. A minimum fund value of £50,000 is required.

Funds and Equities

  • Stocks and shares listed or dealt on any HM Revenue & Customs recognised stock exchange including:
    • equities
    • fixed interest securities issued by governments or other bodies
    • debenture stock and other loan stock
    • warrants (for equities)
    • permanent interest bearing shares
    • convertible securities.
  • Alternative Investment Market (AIM): we treat AIM stocks in the same way as for unquoted shares: please read our guidance notes and complete the relevant form
  • Equities traded on a recognised overseas stock exchange
  • Offshore funds recognised by the Financial Conduct Authority (FCA)
  • Trustee investment bonds
  • Authorised unit trusts that do not hold residential property
  • Shares in investment trusts
  • Authorised Open Ended Investment Companies (OEICS)

Please view a list of some pre-approved investment managers.


Property


UK commercial property (including land, whether devopment land, farmland or forestry). More complex arrangements include where there are multi-participants and/or where a mortgae is required. Our Commercial Property Questionnaire will need to be completed in all cases.


Borrowing

  • Borrowing can be taken out by the pension scheme trustees to help buy a permitted asset provided it is on commercial terms and within HMRC limits. Borrowing is limited to 50% of the SSAS fund value.

Deposit accounts

  • Deposit accounts with any authorised financial institution.


Other

  • Endowment policies traded by a person regulated by the FCA (traded endowment policies or TEPs)
  • Depositary Interests (including CREST depositary Interests)
  • Individual pension accounts (IPAs)
  • Insurance company managed funds and unit-linked funds
  • Real estate investment trusts (REITs)
  • Exchange traded funds (ETFs)
  • Investment Grade gold bullion (subject to conditions)
  • National Savings and Investments products (NS&I).

Non-standard assets.

The following assets will require comprehensive information in order to assess whether or not it is an acceptable asset and if any conditions need to apply.

  • Property syndicates
  • Hedge funds* ^
  • Commercial loans to UK limited companies (secured)*
  • Unregulated collective investment schemes (UCIS)* ^
  • Loans to a sponsoring employer*

The investments outlined below are subject to a maximum holding of up to 50% of the SSAS fund value:

  • Unquoted UK equities*
  • Commercial loans to UK limited companies (unsecured)*
  • Intellectual property*
  • Contracts for difference (CFD)^**
  • Foreign exchange (FX) - including FX spot and FX forward^**
  • Futures^
  • Warrants^ - including both 'put' and 'call'.

^ For these investments you must be able to evidence that you are a sophisticated investor or high net worth individual by completing and returning our relevant form before we carry out the relevant asset due diligence.

** We will only accept FX and CFD broking accounts if they are a balanced holding as part of a collective investment scheme or a portoflio with an FCA regulated discfretionary fund manager, which has been approved by Dentons.

Please note:
* Please read the investment guidance and then complete and return the investment questionnaire 
 

Unacceptable assets.

Although we always aim to be as flexible as possible enabling clients to take advantage of a wide range of investments opportunities, there are some investments that we do not accept within our SSAS:

  • Any taxable moveable property - defined by HMRC as residential property and tangible moveable property (including personal chattels)
  • Commodities
  • Overseas unquoted equities
  • Off-plan hotel rooms
  • Bed & Breakfast units
  • Carbon credits
  • Cloud lending
  • Land banking
  • Storage pods
  • Individual hotel rooms
  • Individual CFD and FX accounts.

Please note: This is not an exhaustive list. If you have a specific investment in mind then please talk to us. We'll do what we can to make it happen.

All non standard investments are considered on a case by case basis, however if any are declined we will always give a clear explanation as to why.


If you have any queries as to whether Dentons will accept an investment, please contact us.
 

01483 521521