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expat financial advice

4 Reasons to Consolidate Your Pensions

Better reporting Consolidated asset allocation Simplicity Lower fees

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Have you lost a pension?

Have You Lost a Pension?

If you have worked in the UK and were a member of a pension scheme (personal or employer) that you have since lost track of, the government’s pension tracking service might be able to help you find it. Just follow this link. Please feel free to forward this post to any friends or colleagues who […]

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What is a QROPS

What is a QROPS?

This is the Wikipedia definition of a QROPS. A Qualifying Recognised Overseas Pension Scheme, or QROPS, is an overseas pension scheme that meets certain requirements set by HM Revenue and Customs (HMRC). A QROPS can receive the transfer of UK Pension Benefits without incurring an unauthorised payment and scheme sanction charge. The QROPS program was […]

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Five investments that helped your parents retire early

Five investments that helped your parents retire early

The best performer turned £10,000 into £1.47m in 28 years. Emma Wall of the Daily Telegraph on five incredible investments. Read the full article here.

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6 Ways To Wreck Your Retirement

6 Ways To Wreck Your Retirement

Despite the multitude of resources (websites, books, magazines, advisers, etc) available for expat retirees, there will always be those who fail to make their retirement savings last for the rest of their lives. There are many ways to avoid this, some of which are more proactive while others are reactive in nature. But none of […]

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Prophecy Pension Update

Prophecy QROPS Update

Prophecy Pension Trustees have now agreed the final details of the transfer of all Prophecy SIPP/QROPS schemes to the proposed new pension trustees. This has also now been approved by the Isle of Man Insurance and Pension Authority. The new trustee of the scheme is Baker Tilly Isle of Man Corporate Trustee Limited, the in-house […]

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charges, encashment, stopping reducing payments, impartial response, devere partners

Generali Vision – Cooling Off Period

If you have signed up for a Generali International Vision plan, you are entitled to a “Cooling Off” period. If, for ANY reason you no longer wish to go ahead with the policy, you can cancel it during this period. The cooling off period starts on the day the policy commences and lasts for 30 […]

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Warning against early relese pension offers

DeVere Warn Against Pension Busting

Ok, I generally don’t agree with these guys, however in this case they are bang on the money. Simply, to ignore HM Revenue & Custom’s warnings over pensions busting schemes is to do so “at your peril”. DeVere & Partners chief executive Nigel Green said people should be very wary of schemes offering to “unlock” […]

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pulling hair out

Help!! I’ve Got 3 Work Pension Schemes, 2 Personal Pensions And I Can’t Keep Track of Them All – A Case Study

Like many workers who change jobs as they climb the corporate ladder, Paul, 42 years old, has lost track of a range of personal and work pension schemes. In the past 15 years, he has worked for 5 different companies in 3 different countries. He has also moved house seven times. He lives with his […]

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Finding a lost pension

Help, I’ve Lost my Pension!!

According to recently published figures, a staggering GBP3 Billion is sitting unclaimed in occupational and personal pension funds. As well as being down to workers generallu moving company more frequently and as such losing track of their pension funds, this problem has been exacerbated by companies changing their name or ceasing trading. As expats this […]

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