A pension plan is a financial product that investors can use to help with their retirement planning. Monies put into a pension plan gain certain tax breaks and can accumulate in a tax free manner. A pension plan is really just a “wrapper” – an account to hold the ongoing monies saved up. What you do with the money under this “wrapper” or within this “account” is down to you. You can give it to a pension company and use their funds to try and grow the money, you can self-invest – for example, into stocks and shares. There are many ways you can allocate the money. This includes what we call pure self-investment. The idea that you run the pension investment yourself utilising the sums within the pension account for your own benefit, maybe using it to buy commercial property or lending it to your own business. This pure method of self-investment may be better described as self-control or self-direction of your own pension fund.
Our guide, which you can download for free, explains more. This is a top-level explanation of how individuals can gain control of their own pension in a dynamic way and can utilise the various self-investment options, which are legally robust and HMRC approved. Many investors, probably most, are not fully aware of this method of utilising their own pensions, our guide aims to provide a summary of how pensions can be used well beyond the typical method of delegating to a fund manager.
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