The Overseas Pension is a personal pension based in Guernsey with UK QROPS status. The trustee and administrator is Fairbairn Trust Company Limited, part of Old Mutual Plc a FTSE 100 company.

The principal advantages of The Overseas Pension QROPS are:

• No liability to UK tax* on income from The Overseas Pension.
• The ability to pass pension assets to the next generation without punitive UK tax charges (currently up to a maximum 82% of the residual pension fund).
• The opportunity to take up to 25% tax-free cash.
• No requirement to purchase an annuity or alternatively secured pension (ASP).
• A wider investment choice** including: residential property, scheme loans, self-investment options (for those who are suitably qualified).
• Members of The Overseas Pension are no longer subject to the Lifetime Allowance Charge.

* Provided that you are not resident in the UK for tax purposes.

** Provided that you have not been resident in the UK for tax purposes during the last 5 complete tax years.