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Pensions and retirement

What you need to know about transferring your pension using a QROPS

What you need to know about transferring your pension using a QROPS

Expats often ask whether they should transfer their pensions from their current UK schemes to an international scheme with a potentially more advantageous structure, such as a Qualified Recognised Overseas Pension Scheme (QROPS). But first, it’s essential to understand whether a pension transfer is in fact the best thing for you and to understand that …

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Retirement planning for expats: key things to consider

Retirement planning for expats: key things to consider

Planning for retirement requires significant consideration, especially if you live and work abroad. When you’re an expat, there are always additional factors to consider, including where you wish to retire, your eligibility for pensions and your nationality. Are you eligible for a mortgage if you wish to purchase a property in your country of residence? …

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The ‘Truth’ about saving for retirement

The ‘Truth’ about saving for retirement

Regardless of whether you’re nearing retirement or just starting to plan for your future, knowing how much you will need to retire comfortably can be challenging. There are various factors to consider such as your ideal retirement age and what exactly a comfortable retirement means to you. Does it involve travelling the world, staying in …

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Swiss P3 Pension FAQs

Swiss P3 Pension FAQs

Choosing the right Pillar 3 pension, or indeed getting to grips with the complexities of the Swiss Pillar pension system, can seem daunting. To help, we’ve pulled together questions we are asked about Pillar 3. We hope this helps you understand the key elements and considerations within the system but if your question isn’t answered, …

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Navigating the Swiss Pillar 3a and a Pillar 3b system

Navigating the Swiss Pillar 3a and a Pillar 3b system

The OECD called Switzerland’s multi-pillar pension system a “Triumph of Common Sense”, and we can certainly see why. With diversification at its heart, the Swiss pension scheme embraces best practices deriving from the oft-quoted concept of ‘not putting all your eggs in one basket‘. What is the Swiss pension scheme? In a nutshell, the Swiss …

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The Swiss Pillar Pension system in 30s

The Swiss Pillar Pension system in 30s

New to Switzerland? Wondering what the Swiss pillar pension system is all about? We’ve got you covered. Here is a simple 30-second explanation of the Swiss 3 pillar pension system Pillar 1 is the mandatory state pensions. The Swiss Government is responsible for this and it is designed to take care of your most basic …

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Key considerations for later life planning

Key considerations for later life planning

The good news is, we’re all living longer and, as a result, we can look forward to longer retirements. The bad news is we have to be able to fund a longer retirement. Most people generally don’t give this enough thought, and many will likely run out of money well before they run out of …

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Should I transfer my pension as an expat?

Should I transfer my pension as an expat?

Expats often ask us whether they should transfer their pensions from their current UK schemes to an international scheme with a potentially more advantageous structure, like a Qualified Recognised Overseas Pension Scheme (QROPS) or Self Invested Personal Pension Scheme (SIPPS). When we talk to them we also hear a fair amount of confusion about what …

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Have you asked your financial adviser these questions about your pension transfer?

Have you asked your financial adviser these questions about your pension transfer?

We should start by saying that transferring your personal pension(s) from where they are currently held is not right for everyone, or for every pension scheme.  When we investigate this for you, we provide unbiased, fact-based, recommendations, and will only ever recommend a transfer if it is viable and feasible to do so and represents …

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How much should you save for retirement?

How much should you save for retirement?

When it comes to planning for retirement or, indeed, for life, there’s no one-size-fits-all approach, but in 1994, William Bengen postulated a rule of thumb which has, for the most part, stood the test of time. This calculation can help you work out how much you need to save for retirement. How much will I …

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