Sipp Your Way into Commercial Property Market; Increasing Numbers of Businesses Are Considering Purchasing Their Own Property - but Is It Better to Have It Owned by the Business, Privately or as Part of a Pension Fund? Darren Holdway, a Partner at the Birmingham Office of HW, Chartered Accountants, Looks at How Commercial Property Might Be Purchased

The Birmingham Post (England), September 26, 2008 | Go to article overview

Sipp Your Way into Commercial Property Market; Increasing Numbers of Businesses Are Considering Purchasing Their Own Property - but Is It Better to Have It Owned by the Business, Privately or as Part of a Pension Fund? Darren Holdway, a Partner at the Birmingham Office of HW, Chartered Accountants, Looks at How Commercial Property Might Be Purchased


Byline: Darren Holdway

After 14 years of positive returns, the UK commercial property market went into sharp reverse in the second half of 2007.

The speed of the market decline in the fourth quarter was unprecedented and primarily driven by swings in the demand for property as an investment, rather than the underlying occupier market.

With that in mind, some investors now believe it to be a good time to invest in commercial property in the UK.

In addition to speculative investors, many company owners are considering purchasing a commercial property for use by their business. Indeed, they or their business might already own one.

One aspect that needs to be considered at the outset is the issue of ownership: by the business, the directors/shareholders or in a pension fund.

One thing though is clear: by separating the property from the trade, you are effectively protecting the property in the event of future financial difficulty within the trade.

This is as true whether the property is in private ownership or within a pension fund.

Often the preferred route is through a self-invested personal pension (Sipp) - a type of personal pension which provides the policy holder with greater choice about the investments held.

With a Sipp, it is possible to invest in the shares of any company on the Stock Exchange or in other approved assets.

It's also worth noting that more than one Sipp can own a share in a commercial property, allowing the investors, such as company directors or business partners, to pool pension monies to purchase the property.

Such a route has several benefits.

First, personal contributions to a Sipp will attract tax relief at the individual's marginal rate. …

The rest of this article is only available to active members of Questia

Already a member? Log in now.

Notes for this article

Add a new note
If you are trying to select text to create highlights or citations, remember that you must now click or tap on the first word, and then click or tap on the last word.
One moment ...
Default project is now your active project.
Project items
Notes
Cite this article

Cited article

Style
Citations are available only to our active members.
Buy instant access to cite pages or passages in MLA 8, MLA 7, APA and Chicago citation styles.

(Einhorn, 1992, p. 25)

(Einhorn 25)

(Einhorn 25)

1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

Note: primary sources have slightly different requirements for citation. Please see these guidelines for more information.

Cited article

Sipp Your Way into Commercial Property Market; Increasing Numbers of Businesses Are Considering Purchasing Their Own Property - but Is It Better to Have It Owned by the Business, Privately or as Part of a Pension Fund? Darren Holdway, a Partner at the Birmingham Office of HW, Chartered Accountants, Looks at How Commercial Property Might Be Purchased
Settings

Settings

Typeface
Text size Smaller Larger Reset View mode
Search within

Search within this article

Look up

Look up a word

  • Dictionary
  • Thesaurus
Please submit a word or phrase above.
Print this page

Print this page

Why can't I print more than one page at a time?

Help
Full screen
Items saved from this article
  • Highlights & Notes
  • Citations
Some of your highlights are legacy items.

Highlights saved before July 30, 2012 will not be displayed on their respective source pages.

You can easily re-create the highlights by opening the book page or article, selecting the text, and clicking “Highlight.”

matching results for page

    Questia reader help

    How to highlight and cite specific passages

    1. Click or tap the first word you want to select.
    2. Click or tap the last word you want to select, and you’ll see everything in between get selected.
    3. You’ll then get a menu of options like creating a highlight or a citation from that passage of text.

    OK, got it!

    Cited passage

    Style
    Citations are available only to our active members.
    Buy instant access to cite pages or passages in MLA 8, MLA 7, APA and Chicago citation styles.

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn, 1992, p. 25).

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences."1

    1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

    Cited passage

    Thanks for trying Questia!

    Please continue trying out our research tools, but please note, full functionality is available only to our active members.

    Your work will be lost once you leave this Web page.

    Buy instant access to save your work.

    Already a member? Log in now.

    Search by... Author
    Show... All Results Primary Sources Peer-reviewed

    Oops!

    An unknown error has occurred. Please click the button below to reload the page. If the problem persists, please try again in a little while.