International Pension and Retirement Planning 

Transferring and managing your UK pension as an expat can be complex. That’s why we provide a straightforward, cost-effective pension transfer service, ensuring you get a transparent, fee-based investment solution—without hidden commissions or unnecessary costs.

Why Choose Investments for Expats for Your Pension?

Fully FCA-Regulated Platform – Your pension is managed on Novia Global, a secure, trusted financial platform. Low-Cost, Flexible Investment Approach – No entry or exit charges, just transparent fees starting from 0.65% (depending on fund selection). Effortless Portfolio Management – Choose between three structured portfolio options, tailored to different risk levels. No Offshore Bonds – Unlike some offshore advisors who push high-commission products, our solution is purely fee-based, keeping costs low. Offshore Bonds can be useful; however, for the majority, it’s not appropriate. 

Our Pension Transfer Options

For Expats with Portfolios Under £250K – Access low-cost ETFs and index funds (Vanguard, iShares) with a structured, easy-to-manage investment solution.

For High-Net-Worth Expats Over £250K – We offer bespoke portfolio management, tailored to your financial goals, residency, and tax situation.

Why Did We Create This Service?

Many expats struggle with costly pension transfer solutions, often unknowingly locked into offshore bonds with excessive commissions. Our approach ensures flexibility, transparency, and affordability, allowing you to transfer your pension without long-term lock-ins or unnecessary fees.

Want to learn more?

Before You Transfer, Get Impartial Guidance

We always recommend expats get an independent review before making pension transfer decisions. Speak to a UK government-backed advisory service:

For bespoke portfolios over £250K, please contact us directly. 

A personal experience

Feeling overwhelmed and not sure where to start? Let us help you take the first step towards achieving your financial goals. Contact us today for a free consultation with one of our expert advisors.

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Finding the right investment strategy as an expat can be complex. That’s why we offer structured model portfolios, built on a low-cost, FCA-regulated platform, designed to give expats a straightforward, efficient approach to investing.

Pre-constructed portfolios with globally diversified investments, ideal for expats seeking a hands-off strategy. Low-cost, transparent fees—no hidden charges or commission-based offshore bonds. Regulated security with FCA regulated platforms such as Novia Global, who is backed by BNY Mellon.

Choose a Portfolio That Fits Your Investment Goals

  • Core Growth Portfolio – A balanced portfolio for expats aiming for steady long-term returns.

  • Global Wealth Portfolio – Structured for those seeking a diversified global investment approach.

  • High-Performance Portfolio – Optimised for growth-focused investors with a higher risk appetite.

Exclusive Bespoke Investment Strategies for High-Net-Worth Expats

For expats with portfolios exceeding £250k, we provide fully customised investment solutions tailored to:

Personalised asset allocation based on your financial goals, tax situation & residency

Advanced wealth strategies including complex investments, international tax optimisation

Direct access to Henry for portfolio construction and reviews.

Ready to invest? Explore our model portfolios or request a bespoke solution designed just for you.

Conservative Portfolio

SECTOR INVESTMENTMANAGER INVESTMENT  NAME PERCENTAGE of portfolio %
Global large cap U.S equities SPDR S&P 500 UCITS ETF Global Equities 10
Mix assets Vanguard life strategy  40 Mixed Assets 30
Fixed Interest Vanguard Global bond index hedge Global Bond 20
Real Estate Vanguard Real Estate ETF Real Estate 10
European Bond Vanguard European zone bond European government bond 10
Alternative Gold Invesco Physical gold ETF Alternative metal 3
Fixed Interest Ishare corp bond Hedged Fixed Interest corporate 7
Fixed Income U.S UBS Fd Sl Bloomberg TIPS 1-10 UCITS ETF Global fixed Interest single country index linked 7
Cash Cash Cash Access 3

Moderate Portfolio

SECTOR INVESTMENTMANAGER INVESTMENT  NAME PERCENTAGE%
 Large cap U.S equities SPDR S&P 500 UCITS ETF Global Equities 7
Global property Vanguard Property Property 15
Fixed Interest Vanguard Global Bond index Global Bond Index Hedge 15
Alternatives Emerging Markets Vanguard Asia Pacific ex Japan Large cap Asia 15
European equities iShares MSCI Europe UCITS ETF Large Cap European equities 15
Alternative Vanguard S&P 500 Value Global large cap 12
U.K. Equity income HSBC FTSE 250 Single country income 8
Fixed Income U.S UBS Fd Sl Bloomberg TIPS 1-10 UCITS ETF A Acc Global fixed Interest single country index linked 10
Cash  Cash  Cash Access  3

Growth Portfolio

SECTOR INVESTMENTMANAGER INVESTMENT  NAME PERCENTAGE%
 Large cap U.S equities SPDR S&P 500 UCITS ETF Global Equities 7
Global property Vanguard property Property 15
Alternative Ishares Health care Alternative sector specific 15
Alternatives Emerging Markets Vanguard Asia pacific ex Japan Large cap Asia 15
European equities iShares MSCI Europe UCITS ETF Large Cap European equities 15
Alternative Vanguard S&P Value ETF Global large cap 12
Equity income HSBC FTSE 250 Single country income 8
Alternative Ishares short duration high yield corp bond Global fixed Interest corporate 10
Cash  Cash  Cash Access  3

Frequently Asked Questions

What platform do we use?

Novia

From the platform, they have protection with BNY Mellon Pershing

Please read below as more information can be found including the FCA number and company house registration-

https://novia-global.com/what-we-do/keeping-client-assets-secure/

And some more information we have written on this-

https://investmentsforexpats.com/novia-global-review-2022/

We have found at IFE Novia to be one of the best platforms to navigate forSIPPs and competitively priced.

What do you pay?
      • 0.34% Platform fee
      • 0.25% Manger fee
      • 180 GBP a year Trust
      • 0.1% Fund cost* (this does vary depending on the funds see below)

      Dealing cost and withdrawal cost as well $5-$12 a trade but aim to keep this minium once dealt in.

Can I withdraw?

Yes, you can. The platform has no restrictions on if you want to change without exit fees 

Whats the minimum investment?

The minimum is 50,000 GBP for an account like this as we will not take anything less s don’t think its worth it.

Can I transfer multiple pensions?

Yes, this is completely fine as long as they are define contribution.

 

How can I invest?

The first step is setting up the platform that will require filling out an application form and sending the required documents.

Then filling out any exit forms for the pension(s)

For T&Cs please read the disclaimer which will be sent with all the legal conditions in terms of data protection.

How often do you change the funds?

No certain answer, but our ideology is to buy good low cost funds and hold so it keeps the dealing cost low. My aim is to rebalance it every quarter so your portfolio is in line with the asset allocation the FCA recommends.

What currency can I invest in?

Euro/USD/GBP

Is this fee or commission based?

This is completely fee based portfolio.

How are my funds protected?

From the platform, they ring fenced and protected by BNY Mellon as a custodian

Does this have any entrance or exit fees?

No, non of the funds have any exit or entrance fees.

Which one should I select?

The table below will help you gauge your risk tolerance.

Where do we invest?

Note that all these can be looked up on independent websites such as Morningstar or by looking on the fund’s own website.

Also, on the platform, you will get a fact sheet of the funds. But we invest in large funds such as Vanguard and Ishares.

How are the portfolios constructed?

We have done 3 levels Conservative, Moderate and Growth. All these have used financial planning guidelines for asset allocation and come in USD/GBP/EUR.