Maze

The UK Pensions Hub

Navigating You Through The Pensions Maze

As a UK Expat living in Hong Kong, personal finances and retirement planning are often overlooked.


The UK Pensions Hub aims to provide you with informative content regarding a range of retirement-related topics, aiming to provide you with the right information to help you make the right decisions
for your personal circumstances.
 
With an evolving retirement landscape globally, it is crucial for all of us to understand
our options and take control. 

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
 

UK Pensions Hub:
Breaking down the barriers in understanding your pensions

Whilst retirement may seem a long way off for some, for others,
it may be quickly approaching. For all, it is likely a complex
subject that requires expert guidance. 
 
Let our retirement and pensions experts in Asia walked you through the key considerations you should be aware of.
 

 

Beware of the cost of delay. Discuss your UK Pensions
and the full range of options available to you, with us today.

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Pension & Tax : Do you know how your UK pension is taxed?
  • Lifetime Allowance and International Enhancement

  • Tax on Death 

  • Tax at Drawdown and options

  • Drawing a pension overseas.

  • IHT Protection

  • Asset Preservation Trust

  • Structuring your Wealth for tax efficiency

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Pensions (not so) Simplified: Options when drawing your pension
  • DB or DC – how best to utilise them both How much income do you need in retirement?

  • Annuities

  • Taking benefits

    • Flexi-Access vs Capped Drawdown

    • UFPLS

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Planning Your Future Retirement: How much is enough and how do you optimise what you have (for expats living in Hong Kong or China)
  • UK State Pension / making voluntary contributions

  • Understanding your options when you leave Hong Kong / Mainland China

  • QROPS 

  • QROPS vs UK pension

  • What is a QNUPS?

  • Cash Flow Planning / Modelling

  • When is a QROPS suitable

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Planning Your Future Retirement: How much is enough and how do you optimise what you have (for expats living in Singapore)
  • UK State Pension / making voluntary contributions

  • Understanding your CPF options when you leave Singapore 

  • QROPS 

  • QROPS vs UK pension

  • What is a QNUPS?

  • Cash Flow Planning / Modelling

  • When is a QROPS suitable

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.

Ignoring the cost of delay can be financially damaging.

Take the next step and start a confidential discussion with an accredited Pensions specialist.

By submitting this form, you hereby give consent to St. James’s Place to collect, use and disclose your personal data in accordance with the St. James’s Place Privacy Policy, which is available at https://www.sjp.asia/site-services/privacy, and which you have read and understood. You further understand that the personal data provided is meant to allow St. James’s Place to contact you for a non-obligatory consultation and/or to address your enquiry.

 

Important Notes

The events and presentations hosted by St. James's Place Wealth Management is general communication provided for informational purpose only. It should not be relied upon as financial advice and it does not constitute a recommendation, an offer or solicitation. No responsibility can be accepted for any loss arising from action taken or refrained from based on this publication. All information presented herein is considered to be accurate at the time of production, but no warranty of accuracy is given and no liability in respect of any error or omission is accepted.

 

Please note that the value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.

St. James’s Place (Singapore) Private Limited is regulated by the Monetary Authority of Singapore and is a member of the Investment Management Association of Singapore and Association of Financial Advisers (Singapore). Company Registration No. 200406398R. Capital Markets Services Licence No. CMS100851.

 

St. James’s Place (Hong Kong) Limited is an insurance broker company licensed with the Insurance Authority (Licence No. FB1075), a licensed corporation with the Securities and Futures Commission (CE No. AAV439) and registered as an MPF Intermediary (Registration No. IC000852).

St. James's Place (Shanghai) Limited is a Wholly Foreign Owned Enterprise (WFOE). WFOE registration No. 91310000566573326L.


The ‘St. James’s Place Partnership’ and the titles ‘Partner’ and ‘Partner Practice’ are the marketing terms used to describe St. James’s Place representatives.