United Advisers - Luxembourg

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Pensions

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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5 reasons to get a documented financial plan

5 reasons to get a documented financial plan

We are not the only financial advisers who commend the benefits of having a documented financial plan. A quick Google on the importance of goals and their importance to success demonstrates why financial advisers are keen to help clients establish a documented financial plan. Despite popular belief, it is not because we love paperwork! It is …

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SIPPS, QROPS and QNUPS in a nutshell

SIPPS, QROPS and QNUPS in a nutshell

The Pensions arena, with its ever-shifting legislative landscape, seems to be prolific in giving birth to seemingly incomprehensible acronyms; in fact, it probably wouldn’t be wrong to say that Pensions, as a subject area, suffers from TMA. As an Expat, it’s hard enough just to navigate the continually changing pensions terrain, let alone try to …

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QROPS and Brexit : An interview with Momentum Pension’s Paul Forman

QROPS and Brexit : An interview with Momentum Pension’s Paul Forman

The changes to QROPS and how this may affect UK Expats is a much discussed topic at the minute. We interview Paul Forman, from Momentum Pension about QROPS and Brexit, and what evolutions he sees within pensions for 2017. There has been a lot of talk about Brexit triggering the end of QROPS, what is …

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What you need to know about the most recent pension bills as a UK expat

What you need to know about the most recent pension bills as a UK expat

In addition to the final Autumn Statement, the UK government also released a number of draft bills at the start of December. These include the Draft Finance Bill 2017 and the Draft Legislation on Pension Scheme Regulations 2017.  In conjunction with our partners at Momentum Pensions, we take you through each of these bills and …

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As an expat, is a SIPP or a QROPS best for me?

As an expat, is a SIPP or a QROPS best for me?

Uncertainty continues to surround the Brexit announcement and what it means for individuals when it comes to personal finances, pension funds and retirement planning. Already we’ve seen media reports about an increasing number of expats, and those considering retiring outside the UK, looking to move their retirement funds into secure and regulated jurisdictions elsewhere. The …

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