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International SIPP

A Self Invested Personal Pension (SIPP) is a very flexible pension plan that allows you to take control of your own investment decisions when saving for your retirement. They provide greater choice and flexibility regarding investments, tax benefits and currency choice.

What is an International SIPP?

If you no longer live in the UK, an International SIPP allows you to transfer and consolidate benefits from UK-registered pension schemes easily and efficiently to your new country of residence, while still protecting you under UK regulations. It’s possible to take regular or variable income using an International SIPP with flexi-access drawdown while still remaining invested. Also, purchasing an annuity is not mandatory.
For non-UK residents or British expats, an International SIPP enables expats to hold assets that are appropriate for international clients and in other currencies, yet still meet the key regulatory requirements of the Financial Conduct Authority (FCA) in the UK.


The two main options when looking to transfer your pension abroad: QROPS (Qualifying Recognised Overseas Pension Scheme) or SIPP (Self Invested Pension Plan).

Qualifying Recognised Overseas Pension Scheme (QROPS)

Often the preferred option for international pension transfers, but no longer governed by UK regulations, QROPS is an international pension plan. QROPS are typically more suited to those who have a large pension pot (i.e. close to the Lifetime Allowance) as they may help mitigate future tax liabilities for exceeding the allowance when you come to draw benefits.

Self Invested Personal Pension (SIPP)

A flexible personal pension, but with wider investment powers so you have greater control over your future. An international SIPP allows you to transfer and consolidate a UK pension easily to your new home abroad while retaining the protection of UK regulations.

How to decide on the best option for you

When you’re making important decisions about your financial future, getting the right advice is crucial. A good regulated cross-border financial adviser will save you both money and hassle. The initial consultation should always be free with no obligation and they should be upfront about the costs of their service.