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QROPS and Pensions in Spain
After your home your pension fund may well be the largest asset you have. As an expat there are many opportunities available with these pension funds including your old or frozen and often forgotten ones.
A transfer to a QROPS or a Qualifying Recognised Overseas Pension Scheme is the transfer of a UK pension to an HMRC approved overseas location such as New Zealand, Guernsey, Isle of Man and Malta. Although for most expats the advantages of a transfer to a QROPS are overwhelming it is crucial to take independent advice from specialists.
Under certain circumstances, providing the fund is in excess of £10,000 a transfer to a QROPS includes the ability to take the fund in full in cash.
For funds in excess of £100,000 other options open up. A QROPS may be structured to shelter the fund from UK taxation, minimise Spanish taxation, offer greater investment choice, transfer of funds in full to future generations, and avoid the need to purchase an annuity.
As well as pensions, investment portfolios in excess of £50,000 can be structured and managed to be fully compliant with Spanish legislation.
You can request further details on QROPS, QNUPS, pensions and investments by clicking the logo above, and we will send your details to our independent, authorised and regulated partner.
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