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Our belief is that millions of people around the world would be best served pursuing a real estate backed retirement planning strategy
In our world, pensions are powerful money-making tools that can be leveraged to create a far more substantial retirement income. Most importantly though, it can be done in such a way that you have total control over the investment decisions and manage any risk.
is to assist 10,000 people to become financially-free through property investment using Genuinely Diverse Commercial Vehicles
‘Serious, not stuffy’
We take what we do seriously although our aim is to simplify complexity
We hate the word ‘No’
We absolutely refuse to say that something cannot be done without proving that it can’t
Your success is our success
Our business grows in line with our customer’s success. Our interests are 100% aligned
GDCV is a FinTech business providing financial products to pension investors wishing to use their funds for investment in real estate.
Our offering comprises both Unit Trust and Real Estate Investment Trust solutions. The main advantages a pension using a GDCV product are as follows:
Take our short assessment to see if this type of investment is right for you.
The criteria required to start your own Genuinely Diverse Commercial Vehicle
The options available to you based on your current circumstances
HM Government publishes Green Paper outlining proposed radical reforms to simplify the pension system and encourage pension saving including residential property as an allowable asset class for pension scheme investment.
Extensive consultation, drafting and redrafting of the legislation that would culminate in the new pension tax regime. Various stakeholders, including pension providers, employers and advisors, were involved in shaping the final form of the legislation.
Finance Act 2004 enacted introducing penal tax charges on SIPP and SSAS pensions directly investing in residential property by the Taxable Property provisions. Their rationale was explained as follows:
The simplified tax regime for pensions came into effect, consolidating various regimes into one and introducing new pension contribution limits, lifetime allowances, the ability to crystallise pension benefits in various forms but, most importantly, exceptions for indirect investment in taxable property.
Tax rules for REITs were introduced in Finance Act 2006. REITs are one of the exceptions to the taxable property provisions applicable to pensions.
Measures to liberalise REITs contained in Corporation Tax Act 2010 were enacted in the Finance Act 2012. The concept of a private REIT was introduced.
UUTs are great investment vehicles for pension funds due to their flexibility, tax transparency and ability to be structured to hold property.
April 2015 saw the introduction of provisions contained in the Taxation of Pensions Act 2014 meaning an entire pension fund could be encashed upon attaining age 55.
Statistics show that over 30% of all pensions accessed through ‘Pension Freedom’ are used for property investment despite the massive tax consequences of doing so.
Genuinely Diverse Commercial Vehicles allow property investment without having to encash pension schemes and incur excessive tax charges although historically the barrier to entry to this market for consumers is high cost.
Research and development makes way for early client implementation.
First overseas pension investors establishing GDCV structures to invest in UK property with the furthest afield being Australia.
Want to learn more about investing your pension into property?
We understand it’s a confusing subject.
Check out some of our handy resources to help you to become well informed.
