QROPS/EURBS: Investment Strategy

What most QROPS and EURBS investors focus on are the potential benefits of reduced tax and access to cash.  What they often overlook is the investment strategy that goes with it. 

Pensions Do Matter! recommended investment strategy is to exercise caution and focus on instruments that create income over time and withstand the shocks that the stock markets of the world deliver from time to time. The emphasis is on low volatility and protection of the capital.

The Pension Do Matter! investment themes of Absolute returns and Income Builder are most appropriate for QROPS and EURBS as long term investment strategies. 

If you would like more information on our investment strategies, please contact us.

Pension Crisis

There are many factors which should drive an expatriate to consider a QROPS or EURBS. Freedom to invest as you wish, currency considerations, improved methods of payout, no IHT, no earnings cap, improved death benefits... 

Now a further one, which has been brewing for years. Many pension schemes are bust. It was estimated in 2012 that for example 86% of UK Private Final Salary Schemes were in deficit. Putting that in simple real terms, they do not have enough money to meet their obligations, the estimate of shortfall is that to cover these liabilities every UK Tax Payer will need to contribute £12,000 each. So if we continue to think that The UK Government is going to step in and help, we may be mistaken. However, this is just the tip of the iceberg, these numbers do not account for Public Sector, MPs, Police, NHS etc. ... it will end in tears.

In the US Detroit has filed for bankruptcy! Yes a whole city is broke; the pension deficit stands at a whopping 241%! The Detroit story is a financial disaster story. Some aspects occurred which were out of the city's control, the failure of the major employers, mostly motor manufacturers. Detroit also has a story of cronies, one crony helping another milk what they perceived to be the bottomless pit of the city coffers, ineptitude, and financial mishandling. Detroit incidentally is not the first US City to take this route. Once again the principle culprit was pensions!


We have been warned, the signs are most certainly there. Ignore the possibility of moving your pension at your own peril.

Contact Pension Do Matter! today for a professional review of your pension.

Foreign Medical Professionals who worked for the NHS are also entitled to pension transfers

Many non-British doctors and nurses have forgotten they have an NHS pension. Such lost pensions typically amount to £30-£50,000. QROPS is the only way to unlock your NHS pension.

As a non-British ex-public servant there are significant advantages in transferring your pension:

1. Tax free pension income.
2. 100% of your pension remain with your family in the event of death.
3. Your pension is placed in trust outside of the UK.


Important notice

A European court ruling against UK pensioners has vindicated moves by the UK government to cut inflation adjusted state pensions for British citizens who no longer live in the UK. Recent rumblings have increased the risk of the UK government defaulting on non-British public sector pensions. Click here to read the about the plight of UK pensions.
 

Click here to enquire about your NHS pension.