The archetypal multi-property “professional” landlord probably only
accounts for about half of all landlords. The rest come in all shapes and sizes
- The “Accidental” landlord, The “Parent” Landlord and The
“Inheritance” landlord and, in this article, the “Pension” landlord. 

Traditional pension investment schemes have proved unreliable,
especially as the capital value can fluctuate wildly. Share prices and
dividends can rise or fall on a whim, often completely unexpectedly and some
pension schemes, following years of contributions, have folded without notice.

A reliably performing pension scheme is such an important aspect of long
term financial planning that many people invest prudently where capital is
relatively secure but yields are low in return for a lower risk investment.

Property, however has historically outperformed all but the highest risk
share indices and bricks and mortar have always been regarded as excellent
security. A buy to let investment usually provides a complimentary combination
of capital growth and a reasonable yield, typically of at least 6% pa.

Unlike most shares, you can leverage your property investment with a
partially tax-off-settable mortgage. Effectively you borrow the bank’s money
cheaply, and ideally see a much greater return from yield and capital growth.

A “property pension” is certainly a long-term investment plan, but is
highly attractive to those in their 30s and 40s. When held in a tax-efficient
pension “wrapper” it becomes even more attractive. But do speak to specialist
tax advisors on that point. In terms of the right property at the right price,
with the right tenant paying the right rent, then speak to us! Please feel free to contact us on 020 8359 3399

Check out the three other forms of landlord ownership: The “Accidental”
landlord, The “Parent” landlord and The “Inheritance” landlord.
(nb provide links to the
other three from here)

©
Copyright 2021 Richard Rawlings except as excluded under licence.