SSAS Frequently Asked Questions
Can I invest in the Rise Capital Debt-Free Syndicate using my SSAS pension?
Yes. Our investment structure is fully compatible with HMRC-compliant SSAS pensions. Many of our high-net-worth investors use their SSAS to access secured, fixed-income real estate opportunities through Rise Capital.
Is the Debt-Free Syndicate model eligible for SSAS investments?
Yes. The model involves structured, asset-backed loan arrangements with legal charges and capital protection mechanisms, making it suitable for most SSAS schemes subject to trustee approval.
What type of returns can my SSAS earn through the Debt-Free Syndicate?
SSAS investors typically earn a fixed return of up to 10% per annum, plus potential equity upside (up to 10% of the SPV shares) when investing in all tranches of a project. Returns are paid directly to the SSAS account.
How is my SSAS investment secured?
Each SSAS investment is protected by:
A first legal charge over the SPV and its property assets
Funds held in a third-party escrow account (Interpolitan Money plc)
Drawdowns released only upon certification by an independent monitoring surveyor
What legal documentation does my SSAS need to sign?
Your SSAS will enter into the same Debt-Free Syndicate Loan Agreement as other investors. We will also assist with any SSAS administrator forms, declarations, and ID checks as required by your scheme provider.
Can the SSAS hold the charge or security in its name?
Yes. The security over the project SPV is held by an appointed Security Trustee on behalf of all investors, including SSAS pension funds. Your SSAS will be listed as a beneficiary of the secured pool.
Do SSAS investments receive the same protections and benefits as other investors?
Absolutely. SSAS investors benefit from:
• Fixed-income returns
• Escrow protection
• Rental fallback strategy
• Pro rata equity upside (subject to tranche participation)
• Governance rights (as C Shareholders if equity is issued)
Will my SSAS administrator need to approve the investment?
Yes. Most SSAS administrators require basic due diligence before approving the investment. We provide all necessary documentation, project information, and legal agreements for approval.
What ongoing reporting will I receive for my SSAS?
SSAS investors receive:
• Quarterly progress updates
• IMS-certified drawdown reports
• Annual statements of return and interest earned
• Dividend statements if participating in the equity upside
Can I invest in both the Debt-Free Syndicate and the equity from my SSAS?
Yes, subject to HMRC and trustee approval. Your SSAS can hold both loan notes and equity (C Shares) in the project SPV, allowing you to earn fixed income and participate in long-term capital appreciation.
What is the minimum SSAS investment amount?
The minimum SSAS investment amount is £20,000. Please contact our investor relations team to discuss current opportunities and tranche availability.
How do I transfer a SIPP into a SSAS?
To transfer your SIPP into a SSAS, you will first need to establish a SSAS pension scheme (if you don’t already have one). This typically involves:
• Appointing a SSAS administrator or trustee provider
• Registering the SSAS with HMRC
• Requesting a transfer of your SIPP funds into the newly established SSAS, subject to your current provider’s approval and processing times
The SSAS provider or administrator will handle the transfer process on your behalf, including liaising with the SIPP provider and ensuring all necessary compliance and documentation is in place.
Once your SSAS is set up and funded, you can proceed to invest in Rise Capital’s Debt-Free Syndicate model. We can provide guidance and liaise directly with your SSAS provider to support the process.
Can Rise Capital recommend a SSAS provider to help set up my SSAS pension from scratch?
Yes. We work with a couple of trusted SSAS administrators on our approved panel who can assist you in setting up a compliant SSAS scheme. Please contact our investor relations team and we will be happy to make an introduction.
