Education

What Readers Need to KnowSIPP contributions usually benefit from basic-rate tax relief at source — a contribution of £80 becomes £100 in the pension.Higher and additional-rate taxpayers can claim further tax relief through Self Assessment.The standard annual allowance for 2026/27 is £60,000 or 100% …

What Readers Need to KnowFull SIPPs and SSAS schemes can hold UK commercial property; ordinary workplace pensions and platform SIPPs typically cannot.Direct holdings of residential property are normally prohibited under the HMRC taxable property regime.Stamp Duty Land Tax applies at non-residential rates and is …

What Readers Need to KnowThe UK lifetime allowance (LTA) was abolished from 6 April 2024.It has been replaced by the Lump Sum Allowance (LSA) of £268,275 and the Lump Sum and Death Benefit Allowance (LSDBA) of £1,073,100.The LSA caps tax-free cash across all UK …

What Readers Need to KnowUK savers cannot legally run a pension entirely outside the regulated framework — every UK-registered pension must comply with HMRC and FCA or Pensions Regulator rules.The most common self-directed UK pension structures are SIPPs (for individuals) and SSAS schemes (forBusinessowners).More …

What Readers Need to KnowFull SIPPs can buy UK commercial property; platform SIPPs and workplace pensions typically cannot.Direct holdings of residential property are normally prohibited under the HMRC taxable property regime.SDLT applies at non-residential rates and cannot be reclaimed by the pension.Pensions can borrow …