How to Use Your Pension to Invest in Property, Reduce Tax and Take Control of Your Future

Is your pension actually working for you, or is it quietly costing you more than you realise?In this solo episode of From The Ground Up, Steve Doran breaks down one of the most overlooked parts of wealth building: pensions. Most people are auto-enrolled into a pension scheme, but very few know where that money is invested, what fees are being taken, or how much control they really have over their retirement future.Steve explains why relying on a standard pension may not be enough, how pension fees can eat into long-term wealth, and why property investors and business owners should understand the difference between a SIPP and a SSAS.He also covers how pensions can be used to invest in commercial property, how rental income and capital growth can sit inside a pension tax-free, how SSAS loan backs work, and how limited company owners may be able to use pension contributions to reduce corporation tax.This episode also explores commercial property investing, lease strength, FRI leases, rent reviews, break clauses, pension mortgages, inheritance tax considerations and why getting professional advice is Want to learn more and find out how to transform your financial future in just 2 days - connect with Steve via https://stevedoran.co.uk/homeKey Moments:0:00 Why pensions could be one of the most important wealth-building topics01:03 How much money you may really need in retirement02:05 The reality of pensioner poverty and why retirement planning matters03:20 Why standard corporate pensions may not give you enough control04:06 Pension fees, fund charges and why you need to know where your money goes05:31 Taking control of your pension through a SIPP or SSAS06:10 Using a pension to invest in commercial property07:28 Steve’s £115,000 industrial unit bought through his pension08:29 How a SIPP works and why trustees review pension property investments09:25 Investing in gold through a pension10:07 What a SSAS pension is and how it links to a limited company10:54 Using a SSAS to loan money to property investors11:30 SSAS loan backs and using pension funds inside your limited company12:16 First charge security, five-year repayment rules and commercial interest13:28 Using pension contributions to reduce limited company tax15:07 Pension annual allowance and carry forward explained16:12 How pension mortgages work for commercial property17:00 Transferring old pensions into a SIPP or SSAS18:08 Finding lost pensions and bringing old pension pots together18:56 Why pensions, property and estate planning need professional advice19:43 Why Steve likes commercial property for pension investing20:17 What to look for in a commercial property lease21:03 FRI leases, rent reviews and break clauses explained22:09 When you can start drawing down from a SIPP or SSASDisclaimer:This podcast is for general information and entertainment purposes only. Nothing discussed should be taken as financial, investment, tax, legal or professional advice, nor as a personal recommendation to buy, sell, invest in, or enter into any property, financial product or investment strategy.Property investment carries risk, values can go down as well as up, and past performance is not a guarantee of future results. You should always carry out your own due diligence and seek advice from a suitably qualified, regulated professional before making any financial or investment decision.