SSASs - Small Self-Administered Schemes

We manage investments for company pension schemes. In general, these are SSAS (Small Self-Administered Scheme) portfolios. The members of the scheme are usually the shareholding directors of the firm in question, who may also be trustees of the scheme, in conjunction with their professional trustees. Typically, a SSAS is attractive to the directors because it affords them greater flexibility and control over the investments that are held.

Taylor Young will manage a portfolio for the scheme members using a wide array of different assets. An overall strategy will be agreed for the portfolio after a detailed discussion with the trustees. Clearly, considerable input will be sought from the specialist pension advisers to the scheme that should be involved in setting a suitable investment policy. This policy will vary according the ages and circumstances of the members as well as their attitude to investment risk, their requirements from the scheme and their time horizon. Family arrangements and the control of wealth distribution may also be important considerations. Ultimately, the agreed strategy may incorporate equity investments, fixed interest securities and bonds as well as the alternative asset classes (such as private equity, hedge funds or structured products) that we use as part of a widely diversified portfolio. The Taylor Young portfolio may only constitute a proportion of the scheme investments - a SSAS provides the directors with other options, including the ability to invest in their own business either through the purchase of shares, loans or the purchase of the company’s premises.

We also provide personal investment management services for the controlling directors of owner-managed businesses and to the directors of both small and large UK PLCs.



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