Ever wondered how you could unlock your pension and take control of your own retirement planning? Whether you are 30 or 60 your pension should be a thought in the back of your mind and if you don’t act now it could be too late!

A Sipp, a Self Invested Personal Pension, allows you to personally manage the choice of investments. Pick the right provider and do your research and you can shear serious costs from your pension, ensuring you gain.

A Sipp is a completely DIY pension. Unlike a normal pension, where the pension company limits your choice of investments it manages, a Sipp gives you complete control of your pension pot.

The big advantage of Sipps over other pension plans are that they offer greater flexibility, choice of investment and possibly lower costs and much bigger gains.

Beware! A Sipp can be a complicated matter and for that you need an expert in the field of investing. Owner Invest can advise on these issues and explain in detail the investment choices that are right for you.

If you make the wrong investment choices, you’ve only got yourself to blame, so you must feel comfortable managing your own investment portfolio and picking your own shares and funds. Otherwise, simply stop reading here and go to our SIPP page for further information or contact an advisor for help on the buy to let opportunities we have available for your self invested personal pension.

About Us
Owner Invest specialises in identifying turnkey property investment opportunities that have excellent potential for Return On Investment (ROI), are tax efficient and offer ?low entry level’ access opportunities. Our core product focus is buy to let hotel rooms and apartments.  These are also known as condo-hotels or apart-hotels.

it time share but in 4 star hotel ? ...... what are the tax efficient ? for briths and spanish people ? want do you make out off it ?
how much
jurdy

Hi Jurdyr

Thanks for your reply.

Effectively these are Buy to let Apart-hotels also known as Condo hotels in the US. Basically you buy an apartment or hotel room which is then marketed and managed on your behalf by a professional hotel management team with whom you then split the income 50:50.

The resorts or hotels are always located in areas of the world that attract substantial tourism or visitors requiring short stay lodging. The Costa del Sol is a perfect example where hotel occupancy is consistently high all year round. This income can then be used to pay off any finance on the property and also generate surplus income that you can spend or invest in other property.

With these deals you also get free personal use included of up to 56 days which you or your family can use for your holidays if you choose. If you dont need personal use this is where the tax efficiency comes in as it is deemed commercial property which can be placed in a SIPP wrapper (Self Invested Personal Pension). You can borrow up to 50% of the value of your SIPP to finance the purchase and it also attracts significant tax relief like any normal pension fund.

The tax advantages are very appealing with contributions to SIPPs treated the same as contributions to personal pensions receiving basic rate tax relief whilst higher rate taxpayers can claim additional relief through their tax returns with no capital gains tax on growth.

Contributions to your SIPP can also be made by transferring money from another pension which can greatly increase the performance of a pensions assets.

Hope this helps and if you have further questions, fire away 😊

Take Care