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Within 48 hours you’ll receive a confirmation and we only recommend firms that are pre-approved.

It’s quick & free safe & secure approved FCA Advisers only

Pension Advice

Looking for QROPS UK Pension Advice?

If you are planning to move abroad, are already living in another country or looking to return to the UK after a period living overseas, you may be considering what to do with your pension. If you are faced with one of these changes in your personal circumstances, it is only natural that you will have questions and will considering your options when it comes to getting the most from your pension.

Whether you are leaving the UK or returning to the UK from another country, it is advisable to seek independent QROPS UK Pension advice to ensure you have an effective pension planning strategy in place. At PensionAdvice.org we can help you find a financial adviser that specialises in expat pension advice and QROPS UK pension advice.

All of our recommended expat pension advisers are experienced in QROPS UK pension advice for those leaving the UK and returning to the UK. The pension advisers we recommend are FCA approved and provide bespoke advice that is tailored to your unique circumstances. Depending on your circumstances, you are likely to have questions about transferring your UK pension into a QROPS to what you can do with your QROPS if you move back to the UK.

More and more Brits are deciding to pack their bags and relocate to warmer climates that offer a favourable lifestyle, cheaper cost of living and in some cases career progression. Aside from planning the logistics of the move, it is imperative that you consider your pension plan, how moving abroad could affect it and whether there is a more effective solution for your private and workplace pensions.

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When Should You Start a Pension?
Transferring a Final Salary Pension
Retirement Advice

QROPS UK Pension Advice: Moving Overseas

While you can leave your pensions as they are in the UK, it may not always be the most sensible option and could decrease the value of your pot once exchange rates and currency conversion costs have been factored in. A QROPS may be more beneficial to you, a financial adviser will be able to work with you to determine the best solution for you and provide QROPS UK pension advice. Benefits of transferring your UK pension to a QROPS include:

  • Reduced tax liability
  • Increased flexibility of pension income
  • Greater tax efficiency
  • No currency conversion costs
  • Not affected by exchange rates

Before making any changes to your pension plan it is advisable to seek pension advice about transferring your UK pension to a QROPS to ensure you have the most effective pension planning strategy in place.

What Would Happen to my QROPS if I Moved Back to the UK?

When expats make the decision to move abroad, many of them plan for it to be a permanent move and some may not consider what will happen to their QROPS should they want to move back to the UK and whether it affect their pension pot. So, if you are currently living overseas but are considering moving back to the UK, you may be asking what can you do with your QROPS.

Seeking advice from an independent financial adviser is imperative and will help you to gain a clearer understanding of the different options available regarding your pension and will ensure that the most effective retirement planning strategies are in place for your personal circumstances.

While QROPS can be left as they are in the country you have been living and where they were set up, it may not be the most effective solution and transferring your QROPS to a UK based pension scheme such as a SIPP may be more beneficial. A financial adviser who specialises in QROPS UK pension advice will be able to recommend your best course of action.

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Independent Pension Advisers

Covering a range of pension and retirement advice...

Pension transfers

Transferring your pension fund to a new pension plan could give you a better deal with potentially lower fees, freeing up more cash for your retirement fund. Find out more about pension transfers and how you could benefit.

Defined benefit pensions

Defined benefit pensions are a pension scheme where the amount you are paid is based on the length of time you have worked and the salary you have earned. Find out if a defined benefit pension could be the best option for you.

Final salary schemes

Final salary pensions provide you with a percentage of your final salary before retirement or when you leave the company as an annual income. Find out if a final salary scheme could be the best pension scheme for your circumstances.

Advice on Annuities

An annuity is an insurance product that allows you to swap your pension savings for a guaranteed regular income for the rest of your life. Find out how you could use an annuity to secure a comfortable income for retirement.

Group & other pensions

A group pension is a collection of individual pension plans set up as a group and generally offer lower charges. There are also a variety of other pension types available. Find out which could be most beneficial for you.

Later life planning

The earlier you start planning for later life the longer you will have to build a significant pension pot to ensure you have a financially secure retirement. Find out which type of pension is best suited to your personal circumstances.

Book your free, no-obligation QROPS pension consultation...

At PensionAdvice.org we can help you find a registered financial adviser for independent QROPS pension advice in the UK. All of the financial advisers we recommend offer bespoke QROPS UK pension advice that is tailored to your unique personal circumstances.

Book your consultation
Further Reading

Pension & retirement articles

Why Expats Should Consider a QROPS QROPS UK
June 13, 2017

Why Expats Should Consider a QROPS

If like a growing number of Brits, you have moved to another country seeking a new life in a warmer climate with a more relaxed lifestyle you may have a…

What Happens to your Pensions if you Leave the UK? QROPS UK
May 23, 2017

What Happens to your Pensions if you Leave the UK?

If you are planning on relocating abroad and leaving the UK, you are likely to have many questions about what happens to your UK pensions. From whether you can still…

QROPS and Moving Back to the UK QROPS UK
April 22, 2017

What Can You Do with Your QROPS if You Move Back to the UK?

Seeking warmer climates, cheaper cost of living and a more relaxed lifestyle, when Brits make the decision to relocate to another country, many have the intention of it being a…

QROPS UK Pension Transfer QROPS UK
April 19, 2017

Should you Consider a QROPS UK pension Transfer Overseas?

British expats or international workers with UK pension rights should consider whether a Qualifying Recognised Overseas Pension Scheme (QROPS) could be beneficial to them. Those with UK pension rights who…