The “Pension” Landlord by Heather Hilder on August 20, 2019 “The Pension Landlord”The archetypal multi-property “professional” Landlord probably only accounts for about 50% of all landlords. The rest come in all shapes and sizes:The “Accidental Landlord”The “Parent Landlord”The “Inheritance Landlord” and, in this articleThe “Pension” LandlordTraditional 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. Indeed 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 circa 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.Property PensionA “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 a specialist tax adviser 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! We’re at the end of a ‘phone line on 01273-735237.Check out the other forms of Landlord ownership:The “Accidental” LandlordThe “Parent” LandlordThe “Inheritance” LandlordWhich one are you?