Etoro
Etoro

Published: February 24, 2026
Video Description
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I asked AI to analyse my tax bill and find ways to reduce what I owe — and it uncovered a massive tax loophole that could have wiped out almost my entire capital gains tax bill. The answer? A SSAS pension (Small Self-Administered Scheme). Unlike traditional pensions where you hand your money to a fund manager and hope for the best, a SSAS lets you create your own pension fund, choose exactly where the money is invested — crypto, stocks, property, land, even loans back to your own business — and contribute pre-tax profits directly into it. That means if your business makes £100K profit, you can put all of it into your self-managed pension fund and pay zero capital gains tax on that amount. The money sits in a bank account you control, and you decide when and how to invest it.
I genuinely could not believe this was legal when AI first told me about it, and I'm still processing how much this changes my financial future. I also share how I'm now looking at tools like on-chain wills to protect crypto assets for the people I leave behind — something most investors completely overlook.
This isn't financial advice, but if you're a UK business owner or investor who hasn't looked into SSAS pensions, this could be one of the most important things you learn this year. I'd love to hear from any tax professionals in the comments — is there a catch I'm missing?
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🎬 If you liked this, watch this next: Pay WAY Less Tax On Your Crypto Profits (Amazing Loophole) → https://youtu.be/-n0MXqbirf8
⚠️ DISCLAIMER: Nothing in this video constitutes financial, investment, or tax advice. I am not a financial adviser. All content is for educational and entertainment purposes only. Past performance is not indicative of future results. Always do your own research and consult a qualified professional before making any financial decisions. Some links above may be affiliate links — I may earn a commission at no extra cost to you.
⏱️ CHAPTERS
0:00 AI Finds a Tax Loophole
0:53 The One Big Discovery
1:44 Why I Never Had a Pension
2:44 What Is an SSAS Pension?
3:45 How SSAS Eliminates Tax
4:45 How the Pension Fund Works
5:49 Implementing the SSAS Plan
6:44 Life-Changing Realisation
8:45 On-Chain Wills for Crypto
10:40 What's Coming Next