Repatriating an overseas pension (or QROPS) to the UK and then coming under UK taxation has an issue many are not aware. In April 2024 the UK abolished its Lifetime Allowance (LTA), introducing a quiet administrative trap to be aware. The abolition was supposed to simplify pensions taxation. However, UK expats bringing QROPS backl to […]
Moving a QROPS to the UK: A Hidden Tax Traps for Tax Free Lump Sum Read More »
QROPS turned twenty in April 2026. Launched as a sensible way for genuine emigrants to take their pension with them, they became — for a period — one of the most heavily sold products in offshore financial advice. Two decades of rule-tightening later, the honest answer to “are QROPS still worth it?” is: for a
Are QROPS Still Worth It? How the Rules Changed From 2006 to 2026 Read More »
Every year, thousands of British expats move home, and a surprising number bring back a Malta, Gibraltar or Isle of Man QROPS that was set up for a life abroad that has now ended. Once you are a UK resident again, the scheme sits in an awkward position: taxed largely as if it were a
Returning to the UK With a QROPS: Tax, the 2027 IHT Change and Your Options Read More »
Thousands of QROPS holders are stuck with an adviser they never hear from — or no adviser at all. The firm that sold the scheme may have closed, lost its licence, or simply stopped calling once the commission was banked. The good news: you can appoint a new adviser to an existing QROPS without transferring
How to Change Your QROPS Adviser (Without Moving Your Pension) Read More »
Most QROPS holders cannot say, to the nearest thousand pounds, what their pension costs them each year. That is not an accident — many offshore pension structures were built with layered, opaque charging that rewards everyone except the member. This guide shows you every layer, how to get the real numbers, and what to do
QROPS Fees and Charges Explained: What You’re Really Paying Read More »
When you move abroad, any pension plans you have in the UK may not be able to provide the pension solution you expect. Depending on your residency and the specific product you hold, your retirement options will be impacted. Annuities are often a no. Taking flexi drawdown may be unavailable as the remaining 75% cannot be put into
Living outside the UK with Phoenix Life or Reassure Pension: Options Read More »
Lived or worked in the UK, and now reside in South Africa. Uncertain about UK pensions in SA? Should you leave your pension in the UK? Is a transfer possible? What tax implications apply under the UK–South Africa treaty? Edale unpacks what South African residents need to know about UK pensions, explores your options, and
If you’re a British expatriate returning to or having returned to the UK moving QROPS may be something you are researching. With the Lifetime Allowance gone, tax-free cash loopholes closed, and QROPS also included in the estate for IHT from April 2027 – are there merits to leaving it abroad. Here are things to know,
QROPS: Transfer Pension back to the UK Read More »
An International SIPP (Self-Invested Personal Pension) is a UK pension for UK expats who want to manage their UK pension investments whilst living overseas. A Self-Invested Personal Pension (SIPP) is a pension registered in the UK, and where the investor (you) has significant control over the investments within that pension. As an investor, you can
International SIPP: A UK Personal Pension for international people Read More »
President Joe Biden signed the Social Security Fairness Act into law on Sunday (5 Jan 2025), a landmark act that will remove the reduction of retirement benefits for those receiving non-covered pension income. This transformative law ends the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), two controversial changes that have been detrimental
ISA Season. Open Shares ISA Online. Accepts US UK Citizens. More details.
