Investment Life & Pensions SIPPS Supplement June 2014 | Page 9

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08/05/2014

14:15

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SIPP Investments

Number crunching
Ed Carey calculates whether clients relying on
property to see them through retirement would be
better off purchasing it through a SIPP
At some point, we have all had the
conversation with a friend, family member
or financial adviser about retirement and
saving into a pension. Whilst some people
may like the idea of using tax breaks as an
efficient way of saving money for
retirement, others are relying on their
property to see them through.
But which solution will make them better off in
retirement? Perhaps it may be beneficial to
have the best of both? Here is an example of
an individual with a property bought
personally versus buying the property in their
Self-Invested Personal Pension (SIPP).
Meet Mr Andre Smith
Andre is 40 year ́