Your UK pension may no longer be aligned with your life abroad, and understanding your options could make all the difference. This eBook equips you with the facts, so you can make informed decisions, not assumptions.
Written by Thomas Sleep,
Founder of My Intelligent Investor
A UK qualified financial adviser with over a decade of cross-border experience, this guide is built on real expat scenarios, not theory. You’ll learn strategies used by expats to keep more of what they’ve earned, wherever life takes them next.
Whether you're years from retirement or already drawing income, knowing how your UK pension fits into your expat journey can unlock smarter choices, lower tax, and greater flexibility.
What would the impact be on your retirement if your pension did not give you what you need?
In this eBook you will learn about...
Your Pension Could Be Hit With Up to 67% Tax
Many expats assume their UK pension is safe, but new rules mean your loved ones could face a devastating tax bill. Up to 45% in income tax and 40% in inheritance tax can apply in worst-case scenarios. It's time to understand the risks before it's too late.
Your Pension Might Not Be Fit for Purpose
Just because your pension provided what you needed in the UK, doesn’t mean it still suits your future. As your goals, residency, and tax situation evolve, a misaligned strategy can quietly sabotage your retirement. Learn how to fix it while you have time.
The Default Strategy Will Be Underperforming
Default pension strategies often lag behind global benchmarks. That performance gap? It’s a hidden cost that compounds year after year taking you further away from your goals. This eBook shows you how to spot it, and what smart investors do instead.
The Clock Is Ticking On Your Transfer Options
Some pension opportunities have an expiry date. Whether it’s tax efficiency, changing legislation, jurisdictional rules, or delay, could cost you more than you think. This eBook outlines the windows you can’t afford to miss before they close.
Retiring Abroad? You Could Be Penalised
Most UK pensions weren’t designed for international living. Drawing income as an expat can result in unintended tax liabilities, currency mismatches, and restricted access. This eBook breaks down the options that do work to help you avoid the common mistakes.
Doing Nothing Is Still a Decision, And It’s Costly
Every year you delay reviewing your UK pension, you're potentially giving up growth, flexibility, and protection. Inaction may feel safe, but it often comes at a steep price. The most successful expats are the ones who act early, not perfectly.
