Expat Pension Advice

If you are leaving the UK, whether to work or retire abroad, it can be a challenge to ensure all of your financial affairs are in good order.

Even if you have already made a permanent move to a new country, ensuring your pensions and investments are well organised can be the key to a successful future.

Many British expats move overseas with an early retirement in mind. Helping to achieve this goal means that you need to ensure that you have a solid retirement plan. As part of this you will need to consider your pension requirements which might mean reviewing or transferring any existing schemes, or setting up new ones which will be more suited to your expat lifestyle.

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All you need to know about expat pensions

How do pension funds work?

A pension is a retirement fund that an individual, employer or both, can contribute into. The funds saved are then invested over the long-term to create a ‘pot’ which can be used as income to fund your retirement. There are a range of pension options available, depending on how you decide to take your income when it comes to retirement.

What pension schemes are available for expats?

The main pension schemes available for expats include:

  • QROPs (Qualifying Recognised Overseas Pension Scheme) – for those that have acquired the benefits of a UK pension and have moved overseas. A QROPs can offer flexibility and other tax benefits.
  • QNUPs (Qualified Non-UK Pension Scheme) – suitable for anyone who wants or needs an international pension scheme.
  • SIPPs (Self Invested Pension Plan) – a personal or defined contribution scheme set up in the UK through HMRC. Typically, a SIPP will only be available to UK residents, but they are increasingly available to non-UK residents and those looking to move to the UK.

What happens to my pension if I move abroad?

If you leave the UK permanently, transferring your pension into an international pension scheme may be your best option. In these cases, a QROPs may be recommended to help you avoid some restrictions associated with living abroad whilst holding a UK pension.

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1150 Brussels, Belgium

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Cheltenham

Cheltenham

Pure Offices, Cheltenham Office Park,
Hatherley Lane, Cheltenham,
Gloucestershire, GL51 6SH

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Dubai

Dubai

Emirates Financial Towers, Level 3,
North Tower, Office 310, PO Box 507290,
DIFC, Dubai, United Arab Emirates

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Exeter

Exeter

The Senate, Southernhay Gardens,
Exeter, Devon, EX1 1UG

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Hong Kong

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Lippo Centre, 89 Queensway,
Admiralty, Hong Kong

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London

London

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London, SW1E 5BY

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Singapore

Singapore

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Worthing

Worthing

Crescent House, Crescent Road,
Worthing, West Sussex BN11 1RN
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United Kingdom

Worthing (Head Office)

Crescent House, Crescent Road,
Worthing, West Sussex BN11 1RN
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