Pensions for expats often involve cross-border complexities, but our content provides low-fee, transparent strategies for transfers, QROPS, and optimisation in light of UK tax changes. Drawing from ONS data on emigration, we help secure your retirement. We hope you find these useful for pension planning, and seeking a second opinion ensures your setup is as efficient as possible.
As an Australian expat, you can generally continue to contribute to your Australian superannuation fund (Super) and manage your investments while living abroad. However, there may be some restrictions and tax implications to consider. One of the main considerations is...
U.K pension transferred flags if you have already transferred or you are looking to transfer your pension abroad, this should be a must-read for expats. I have written this to ensure expats know how to spot if you are being or have been led purely by commission-driven...
Have you transferred your UK offshore, read this to ensure you are getting the best cost and transparency of services. I get emailed daily with expats asking me, if am I paying too much for my U.K. pension that I transferred offshore. I have been told about the...
The government of the UAE has put in a Golden Pension Scheme for expats and in this article, I want to go over what it is, how it affects expats, and how it compares to pension schemes in the UK. If you have any questions, please email me at...
As an expat it can be confusing as to what options you have available in regards to your pension and the tax implications. My aim is to go over a few items that you might need to consider as an expat for your pensions. Note, that pension rules are constantly changing....
A pension scheme deficit is when a company offering employees a Defined Benefit (DB) pension scheme doesn't have sufficient funds to meet the requirements to meet the pension needs of its holders. The cause of a pension shortage is due to a combination of...
Inheriting a DC pension is relatively straightforward when it is compared to DB schemes. As a beneficiary, you can inherit unused drawdown or uncrystallized money to purchase funds and have flexibility on how you choose to withdraw the money. Options include lump...
The Pension Protection Fund (PPF) is tasked with protecting workers saving in defined-benefit pensions. These are final salary pensions where savers are guaranteed a retirement income. The income is paid based on the length of service and someone’s salary when they...
Certainty The principal advantage of a DB pension is that the benefits last as long as you. If you happen to live longer than average, then it’s up to the scheme to find the money to pay for this. Transferring your DB pension rights into cash and managing it yourself...
This is a question I was asked about when transferring your pension in their 30s Question: I have 65k in a private pension, I recently joined the civil service and have been offered a transfer into their DB pension scheme at a value of 8k. I'm in my early 30s and I'm...
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