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Pension transfer

You may be thinking of moving your pension to another country or to a different provider. To reduce your tax liabilities. To leave more of your pension fund to loved ones. Or for greater flexibility and investment choice. Whatever your objectives, there are a number of options available to you, including QROPS, SIPPs, and QNUPS.

However, before you transfer any pension, it is essential to understand the wider tax implications and complex rules governing pension schemes. Whether you will benefit from pension transfer very much depends on your personal and financial circumstances and your country of residence.

We recommend you get advice from a qualified, regulated pension specialist who has experience of the cross-border finances. Our advisers are certified by the Chartered Insurance Institute (CII).

QROPS - qualifying recognised overseas pension schemes

QROPS allow you to move your pension to another country. The recognised schemes offer the potential to reduce your tax liability on pension benefits. And pass on your pension fund to loved ones.

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SIPPS - self-invested personal pensions

SIPPs provide a tax-efficient way to save for later in life. They offer greater investment flexibility and the potential to pass on your pension fund - free from inheritance tax - to loved ones.

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QNUPs - qualifying non-UK pension schemes

QNUPS allow you to increase the value of your pension fund tax efficiently. They are international pension schemes with no lifetime limit on contributions.

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How our international pension specialists can help

We can evaluate your situation and explain your options clearly to you, so that you can make an informed decision. Having specialised for over 30 years in providing advice to people who live or work abroad, we are well placed to guide you through the complexities of pension transfer.

Talk to a pension specialist - without obligation.

EU Commission pension transfer

We are officially approved by the EU Commission to provide pension transfer advice to its employees. We meet the Commission's strict requirements for this service.

If you have an EU Commission pension and wish to transfer your benefits abroad, we can help you find the most suitable international solution for your needs.

Talk to one of our pension specialists - without obligation

Free Pension Transfer Guide

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PIC Pensions Guide
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