Would you 下落する into your 年金 マリファナ to start a 商売／仕事? The olderpreneurs who took the 危険 to start afresh

  • 商売／仕事 owners and directors can 上げる their brand with 年金-led 基金ing
  • 52-year-old Graeme Winram took out two 貸付金s for his 商売／仕事 from his 年金?
  • Modest 返済 率s means 可能性のある for 重要な 年金 基金 growth
  • But beware?sticking your 年金 into your 商売／仕事 投機・賭ける as if the latter doesn't work out, you would be dealt a 二塁打 blow

By Jayna Rana For Thisismoney.co.uk

Updated:

There are many different 大勝するs to 基金ing a small 商売／仕事, from the 伝統的な bank 貸付金, to the 削減（する） and thrust world of 投機・賭ける 資本／首都 投資, or even using a trendy crowdfunding 壇・綱領・公約.?

But one way that many may not think of yet is becoming ますます popular - 特に those over 50 - is through their 年金 マリファナs.

This cohort, who have been dubbed 'olderpreneurs', are taking advantage of the ability to tap into their own 貯金 and the quirk where 税金-friendly 年金-led 基金ing can see any 利益／興味 paid on 貸付金s go 支援する into the 年金 基金.

Many 'olderpreneurs' are accessing funding for their business through their pension pots

Many 'olderpreneurs' are 接近ing 基金ing for their 商売／仕事 through their 年金 マリファナs

最近の data from the Office for 国家の 統計（学） showed that いわゆる olderpreneurs have 始める，決める up more 商売／仕事s than any other age demographic in the last １０年間.

Entrepreneurs over 50 have risen by more than 700,000 from 1.47million in September 2008 to almost 2.2million in December last year.?

A 2018 報告（する）／憶測 published by The 会議 of 私的な 商売／仕事 and Clifton 資産 管理／経営, 設立する that over a third (38 per cent) of 会議 商売／仕事 owners would consider using their 年金s as a 商売／仕事 基金ing source.?

A 年金 can help out in setting up a 商売／仕事, but the 可能性のある 危険s are high.

If the 投機・賭ける does not 後継する, not only does the entrepreneur lose their 商売／仕事, but their 年金 also takes a 攻撃する，衝突する.

This may mean that many should only consider 年金-led 基金ing for part of their 商売／仕事 or when 伝統的な lending 選択s may be?制限するd.?

It is also an area where 信用d and 独立した・無所属 財政上の advice is 必須の, as there can be disreputable 会社／堅いs eager to encourage 潜在的に risky 決定／判定勝ち（する）s ーするために collect 料金s.??

< h2 class="mol-para-with-font mol-style-subhead">How does it work?

This form of 財政／金融 is 特に 目的（とする）d at 商売／仕事 owners and directors, who have 蓄積するd 年金 基金s of more than £50,000 and need extra 基金ing for whatever 推論する／理由 to 支援する their own 商売／仕事.

Unlike 撤退s made under 年金s freedom, they don't need to be over 55 and should there be more than one owner director in the same 会社／堅い, the 年金 基金s can be amalgamated.

The 年金 マリファナ, or マリファナs, are usually placed into a small self-治めるd 計画／陰謀 (SSAS) which 許すs the owner to decide where their money is going to be 投資するd 経由で a 商業の 貸付金, と一緒に professional 財政上の advice and trustee 是認.

Using a SSAS 貸付金 to a sponsoring 雇用者?

Gary Smith, 財政上の planner at Tilney, explained that 貸付金s to a sponsoring 雇用者 can be made only if the に引き続いて 条件s are met:

最大限 量

The 量 of the 貸付金, together with 優れた 量s of any 存在するing 貸付金s to sponsoring 雇用者s, must not 越える half of the 逮捕する market value of the SSAS 基金 at the time the 貸付金 is made.

返済s

貸付金s must be repaid in equal 分割払いs, either 月毎の or 年４回の, of 資本／首都 and 利益／興味 for each 完全にする year of the 貸付金. An incomplete year at the end of the 称する，呼ぶ／期間／用語 is 扱う／治療するd as the final 完全にする year.

貸付金 称する，呼ぶ／期間／用語

The 最大限 称する，呼ぶ／期間／用語 is 5 years from the date the 貸付金 was 前進するd. The total 量 借りがあるing, 含むing 利益／興味, must be repaid by the 貸付金 返済 date.

利益／興味 率s

The 最小限 利益／興味 率 a SSAS may 告発（する），告訴（する）／料金 is calculated at 1 per cent above the 普通の／平均（する） of the base lending 率s of six 主要な high street banks. Higher 率s may be 告発（する），告訴（する）／料金d but only if the 条件 適用するd mirror a 商業の 貸付金 申し込む／申し出 and can be 証拠d.?

安全

The 貸付金 must be 安全な・保証するd by a first 告発（する），告訴（する）／料金 on a suitable 資産 of at least the 同等（の） value to the 貸付金 加える 利益／興味. The 資産 告発（する），告訴（する）／料金d need not be owned by the borrower.?

A self-投資するd personal 年金 (SIPP) can also be used although this 大勝する is いっそう少なく ありふれた as the SIPP owner cannot make the 貸付金 to a 'connected' party.?

Instead, a SIPP owner can make an unlisted 株 投資 in the 商売／仕事 using their 年金 計画／陰謀 which would usually be a cumulative redeemable preference 株 投資 ーするために 保護する the return and to 確実にする a 機械装置 for the 返済 支援する to the SIPP.?

Unlike bank-sourced 基金ing, it is the owners of the 商売／仕事 and 基金s who decide whether the 危険s are 許容できる.?

There is also no need for personal 保証（人）s or 告発（する），告訴（する）／料金s over 国内の 所有物／資産／財産 ? meaning you are not going to lose your home if you default.

支配する to 基金 size, there is no 最小限 age for the 基金s 存在 接近d.?

However, the 規模 of this 基金ing model 要求するs a 年金 マリファナ with a level of 成熟 that can support the 処理／取引.?Adam Tavener, chairman at Clifton 資産 管理／経営, recommends a マリファナ of at least £80,000.

He 追加するd: 'Under professional advice, owners can decide where 年金 基金s are 投資するd.?One approach is to take a 商業の 貸付金 from the 年金 基金 経由で a SSAS.

'This is a reasonably straightforward 過程 though there are a number of regulatory 事柄s that need to be met. For example, the 貸付金 cannot 越える 50 per cent of the 年金 基金's value.

'The 貸付金 made by the 年金 基金 to the 商売／仕事 is 税金-解放する／自由な, with the 商売／仕事 返すing the 資本／首都 and 利益／興味 taken from the SSAS 直接／まっすぐに 支援する to the 年金 基金.?返済 利益／興味 is usually 始める，決める at around 10 per cent or more, 申し込む／申し出ing 重要な 年金-基金 growth 可能性のある.'??

一方／合間 the 最大限 前進する from a SIPP should not 越える 60 per cent under normal circumstances and 65 per cent for 確かな exceptions.???

支配する to a number of factors, 含むing the 返済s 存在 met, the owners are even 解放する／自由な to 接近 the 計画／陰謀 again for その上の 商売／仕事 基金ing if 要求するd.?

However 商売／仕事 owners need to 確実にする that they are engaging the services of experienced and qualified 財政上の professionals to make sure they 従う with all 財政上の and 税金 規則s.?

Darren Philp, director of 政策 and communications at Smart 年金, said: '楽観主義 is a 重要な feature of the entrepreneurial mindset, but even the most ambitious self-starters need to be aware of the 危険s of putting all their eggs in one basket and relying 単独で on the 未来 success of their companies to be their 年金.'?

Get good 独立した・無所属 advice?

Anyone considering 投資するing their 年金 into their 商売／仕事 should see good 独立した・無所属 財政上の advice and make sure that their 助言者 is not trying to 極端に encourage them 負かす／撃墜する that 大勝する to earn a 料金.

> Read our guide on finding one-off 財政上の advice


I used my 年金 at age 52 to save my 商売／仕事?

Scottish kitchen and furniture designer Graeme Winram used his 年金 when he was 52 to get his 商売／仕事, Lethenty Cabinetmakers, 支援する up and running after a 解雇する／砲火／射撃 destroyed his workshop and much of his 在庫／株 in April 2016.

He was already considering the 可能性 of 年金-led 基金ing ーするために 拡大する the 商売／仕事, but the 解雇する／砲火／射撃 at Aberdeenshire-based Lethenty Mill and a 不足（高） in the 保険 money 押し進めるd him to find out more.

'The 解雇する／砲火／射撃 was certainly a major 後退 for us but, rather than dwell on what we lost, we saw this as a fabulous 適切な時期 to really transform our 商売／仕事 for the better,' he said.

Graeme Winram established Lethenty Cabinetmakers in Aberdeenshire in 2004

Graeme Winram 設立するd Lethenty Cabinetmakers in Aberdeenshire in 2004

'I have had 基金ing through my bank before but I was 利益／興味d in 追求するing 年金-led 基金ing because it looked like I would be lending to myself and 支払う／賃金ing myself 支援する which sounded a better 選択 than going through a bank.

'I am also keen at some point in the 未来 to 購入（する） the building I am 現在／一般に 賃貸し（する）ing and that would be a good 乗り物 for doing it because then the building becomes owned by the 年金 基金.'?

Graeme's 存在するing 年金 was transferred into a SSAS and used to 供給する a £50,000 貸付金 to Lethenty Cabinetmakers. With 指導／手引 from the 年金 trustees, he 始める，決める the 利益／興味 率 at 12 per cent with a five-year 資本／首都 返済 称する，呼ぶ／期間／用語.

The 転換 took longer than 心配するd so turned to his 年金 again to 基金 a £35,000 不足（高） and 上げる the company's cashflow. He made a second 貸付金 to his 商売／仕事 from his 年金, again at an 利益／興味 of 12 per cent with a five-year 資本／首都 返済 称する，呼ぶ／期間／用語 ? to himself.?

'Of course the 二塁打-危険 is a 関心, but like a lot of entrepreneurial people you need to have a 確かな 量 of 約束 in yourself and your 商売／仕事, and you need to put these sorts of things to one 味方する ? ーするために 焦点（を合わせる） on 存在 successful by reinventing the 商売／仕事 and 押し進めるing the marketing.

'Although 年金-led 基金ing may not be any more cost-効果的な than a 伝統的な bank 貸付金, the 柔軟性 申し込む／申し出d by this approach, and the 適切な時期 to 購入（する） the building in the 未来, outweighed any small differences in cost.'

I borrowed from my 商売／仕事 to start afresh at age 50?

Former accountant Rebecca Shorthouse made an £85,000 preference share investment in her business People Kaizen

Former accountant Rebecca Shorthouse made an £85,000 preference 株 投資 in her 商売／仕事 People Kaizen

Former accountant Rebecca Shorthouse also took her 商売／仕事 to the next level with a new 投機・賭ける, 基金d by her own 年金.

She 始める，決める up 商売／仕事 behavioural coaching 会社／堅い People Kaizen in March 2014, having worked in the 部門 for several years.?

But last year, when she turned 50, she decided to move into?personal coaching and a 共同 with the YB12 (Your Best 12 Months) franchise.??

ーするために 基金 the new 投機・賭ける, Rebecca made an £85,000 preference 株 投資 in People Kaizen from her 年金, to be paid 支援する over five years with a coupon 率 of 12 per cent.

This 許すd her to 新採用する two 卒業生（する） 従業員s, provider その上の training and 増加する marketing.

'I was aware of the 適切な時期s 現在のd by 年金-led 基金ing because of my background in 財政／金融 but the ability to borrow from my 年金 and 支払う／賃金 the 利益／興味 支援する to myself, 納得させるd me this was the way to go,' she said.

'I didn't really have 関心s as I love what I do, and I know I make a 重要な difference to how people feel and how they live their lives at home and at work.?

'Qualifying as a 借り切る／憲章d accountant many years ago most definitely 容易にするd the strength of my 財政上の 予測（する）s 同様に as the 商業の acumen needed to run your own 商売／仕事.'??

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