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Property or Pension?

The property or pension debate is one which has been running for many years. Having experienced considerable stock market volatility over recent years, it seems many more people are looking to buy-to-let investing as an alternative to pensions – even though pensions offer attractive tax benefits.
However, many clients (or perhaps, potential clients) may not be aware that there is now a fund which can be held within a pension and provide exposure to a professionally managed buy-to-let portfolio. Those who have been reluctant to discuss pensions due to the misunderstanding that they have to invest in stocks and shares may now be willing to discuss the following benefits:
 
  • Tax relief on pension contribution (20%, 40% or 45%) towards their investment from HMRC
  • No capital gains tax on growth of the asset
  • No income tax on rental generated
  • Lower risk from voids compared with individual buy-to-let
  • Nationwide diversification for low outlay
  • Hassle-free management compared with individual buy-to-let
  • Low volatility compared with stock market and geared buy-to-let investment
  • Pension funds are generally out of reach from creditors before age 55 (or the scheme’s normal retirement date if earlier), but a personally owned buy-to-let portfolio is not

    The TM Hearthstone UK Residential Property fund has already been approved and/or purchased via many SIPP trustees, including Standard Life, Dentons, Curtis Banks, A J Bell, Nucleus, Transact, and James Hay.
     

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Hearthstone Investments PLC is the parent company of the Hearthstone Group. Regulated activities associated with the TM Hearthstone ICVC are carried out by Hearthstone Asset Management Limited, which is an authorised representative of Thesis Asset Management plc, authorised and regulated by the Financial Conduct Authority (114354). Other companies in the group provide investment advisory and other services funds aimed at professional clients. Details of these companies are provided in the investment materials associated with each fund.

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