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Financial planning
The British Expat’s Guide to Pensions
If you’re a British expat with one or more UK pensions, understanding your transfer options, tax position, and retirement income strategy is crucial. This comprehensive guide is designed to help you make informed decisions across borders - whether you're consolidating, relocating, or preparing for retirement overseas.
From defined benefit schemes to SIPPs and QROPS, this guide outlines the planning opportunities available in today’s evolving pension landscape.
What You Will Learn:
- How pension transfers work for British expats – and when they make sense.
- Key differences between defined benefit and defined contribution pensions.
- When and why to use a Self-Invested Personal Pension (SIPP).
- When QROPS is still relevant – and when it’s not.
- How to avoid hidden fees, inflexible structures, and poor-performing offshore pension plans.
- Pension tracing: how to recover lost UK pensions from past employers.
- The role of National Insurance contributions in maximising your UK State Pension.
- Cross-border tax planning, residency considerations, and the importance of timing.
- Step-by-step guidance on transferring your pension abroad.
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