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UK Pension Transfer Guide

Technical GuidesUK Pension Transfer Guide

  • Retirement Planning

UK Pension Transfer Guide

If you’ve worked in the UK and now live overseas, your pension is likely still tied to UK tax rules, currency risk, and restrictive access. But you have options.

Moved abroad? Don’t let your UK pension get left behind.

This guide is designed to help you understand what happens to your UK pension when you move abroad—and what you can do about it. From flexible SIPP arrangements to international QROPS solutions, it outlines the key routes you can take and the potential benefits of moving your pension in line with your new life overseas.

What’s Inside?

  • What Happens If You Leave It in the UK? – Discover the risks of doing nothing: tax, currency volatility, and limited growth.
  • SIPP vs QROPS Explained – We walk you through the difference between these two key transfer structures—and which might suit your situation.
  • Tax, Currency, & Access Considerations – Understand what you might gain (or lose) in terms of flexibility, drawdown, inheritance, and tax exposure.
  • Why People Transfer – From increasing the tax-free lump sum to taking back control of investment decisions, there are compelling reasons to review your options.
  • Transfer Process & What Happens Next – A clear outline of how Hoxton facilitates your transfer from start to finish, including regulatory steps and advice.

Why Download This Guide?

Because international mobility shouldn’t come at the cost of financial inefficiency. With the right guidance, your UK pension can be aligned with your current lifestyle, future goals, and overseas tax situation.

Who Is This Guide For?

  • UK nationals now living or retiring abroad
  • Non-UK residents with legacy UK pensions
  • Anyone with a UK pension worth over £100,000
  • Individuals who want greater flexibility or to mitigate UK tax

Frequently Asked Questions

Download Your Free Guide

Access your UK Pension Transfer Guide now and explore how to make your pension work for you—wherever life takes you.

Retirement Planning

At Hoxton Wealth, we specialise in creating customised plans that balance growth, security, and sustainability. Whether you're combining pensions, maximising savings, or trying to understand international retirement planning, our expert advisers are here to guide you every step of the way.