Many expat destinations have low or no personal income tax, which makes saving easier but hides a problem: most expats have no workplace pension, no fixed retirement age and no automatic plan.
What gets looked at
- Where you realistically want to retire and what that costs
- Your income sources: UK pensions, State Pension, savings and property
- Currency risk between where you earn, save and spend
- How long your money lasts under different assumptions
Common questions
How much do I need to retire?
It depends on where you retire and the lifestyle you want. Our retirement calculator gives a first guide.
Does my UK State Pension rise if I live abroad?
It depends on the country. Yearly increases are paid only in certain countries, so in others your payment may stay frozen. Check the government's current list for your country.
Should I keep saving where I live now?
Often yes, but where and how you save matters, especially if you may move again.
General information only, not personal advice.