Pensions

DNA WEALTH CONCIERGE

Retirement and Pension planning

If you live and work abroad, it's important to plan for your retirement, so that you can look forward to a secure, enjoyable future.

Changes in pension legislation across Europe have triggered people trying to access their pension funds to pay off debts, buy new assets or just invest elsewhere. Many of these people have tried accessing funds without realising the pension tax implications, and potential solutions!

The pension industry can be complex to navigate. Getting simple answers can sometimes be difficult and frustrating; How can you access your pension tax-free? When should you access your pension – before or after you move from one country to another?

Our advice includes practical solutions for maximising your retirement benefits, and how to take advantage of tax-efficient opportunities presented by pension schemes in the country you live in. Simply advising people to move to a certain type of pension, such as QROPS for UK nationals, ignores the fact that some countries, such as Portugal offer a fantastic opportunity with the Non Habitual Residency scheme.

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0% TAX ON PENSIONS EUROPE'S BEST KEPT SECRET
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Working with selected providers, we can evaluate your existing pension circumstances. Options can be tailored to your specific needs including:
SIPPs - Self-Invested Pension Plans
QROPS - Qualifying Recognised Overseas Pension Scheme
The European equivalent of QROPS for other countries within the EU
Early access/Flexi Access
QNUPS - Qualifying Non UK Pension Scheme

UNDERSTANDING THE RULES MEANS YOU DON’T HAVE TO BREAK THEM:

INSIGHT, CLARITY, TRANSPARENCY AND INTEGRITY ARE EMBEDDED IN OUR DNA

If you live in certain countries, especially in Europe, then you could benefit from greater tax savings on your pension income.

The income tax should be calculated in the country of source (origination), or it will be according to the Double Tax Treaty (DTT) of the country that you choose to live in.

There is no advantage, due to the high costs, of anyone utilising specialist pension vehicles, such as QROPS to access funds of below EUR 100,000, other than in exceptional circumstances.

Often, advisers overseas propose specialist pension vehicles, such as QROPS, for small funds, not for the client's benefit, but purely for their own benefit in terms of commission and earnings.

Often, advisers overseas proposing specialist pension vehicles, such as QROPS for small funds is not for the clients benefit, but purely for commission and earnings reasons for the adviser.

TALK TO OUR EXPERTS. WE´RE GLAD TO HELP YOU