Most British expats leave a trail of UK pensions behind. Some are forgotten, some sit in outdated funds and some carry valuable guarantees. The right move depends on the type of pension, the charges, and where you plan to live.
What gets looked at
- What each pension is worth and what it costs you in total
- Whether guarantees such as protected tax free cash or a guaranteed income are at stake
- How tax on withdrawals would work where you plan to live
- Whether any transfer could trigger a tax charge
- How your State Pension fits alongside the rest
Common questions
Can I keep my UK pension if I live abroad?
Yes. You can leave a UK pension where it is, and you can usually draw from it while living abroad. Tax on what you take depends on your residency and any tax treaty.
Do I need advice to transfer a final salary pension?
UK rules require regulated advice before a defined benefit transfer worth more than £30,000. Many people are better off keeping the guaranteed income.
What is an international SIPP?
It is a UK regulated pension designed for people living abroad, with a wider investment choice and the ability to stay in place if you move country.
General information only, not personal advice.