How insurance bonds decimate investments

High commissions, high fees and usually poor investment advice destroy savings. However, through our independent product reviews at least you can head in the right direction, or make sure your adviser is!

Our Review Methodology for Pension Trustees

Independent Product Reviews

Discover the best and worst financial products from our independent reviews and the experiences of many product customers. We have over 100 years combined experience with an unrivalled insight into the strength and weaknesses of each provider.

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Our review methodology

QROPS and Offshore SIPP reviews are conducted by G60 regulated pension advisers from the UK, and we review nearly all approved schemes that are available whether that be in the UK, the USA, Canada (yes there are some), Malta, Gibraltar, Isle of Man, New Zealand. We can also review schemes in other countries when requested although we make a charge for doing so.

We examine QROP Schemes and SIPP pensions alongside the latest legislation (especially since the new pension and retirement rules outlined in the 2014 Budget) and likely forthcoming legislation and key legal matters. We do this in a transparent way and our experts here at pensions for expats, publish our findings regularly.

As international advisers who originate from the UK, we are experts in pensions and expatriate money matters. How can we claim this? We are qualified to the UK G60 level, we are currently regulated in the UK with the Financial Conduct Authority (FCA), we are able to provide pension transfer advice on defined benefit schemes post 28 July 2014, and we are multiple award winners. We have articles published about offshore pensions in multiple magazines, and we are open about who we are.

It’s difficult to find a website out there, that talks about QROPS, QROPSreviews (qrops reviews), QROPS choices ( qrops choices), QROPSexpert (Qrops expert), QROPSpensionexperts (qrops pension experts) that openly says who they are. There is a reason they all hide away, because they all advise on the same rubbish commission driven bond products, dressed up as good financial advice and “avoiding 55% tax”.

We will tell you the truth, be open about benefits, but also cautious about whether QROPS and SIPP’s are the best option for you. Our QROPS ratings review page and SIPP ratings review page have been combined into one page recently (QROPS/SIPP ratings) but they are still backed up by our governance document in the UK which is reviewed at least annually, giving you real qrops choice.

Why have we not recommended a New Zealand QROPS – one of the most popular destinations? We do have one or two New Zealand QROPS providers that we can utilise, but they all provide costly options, and we think they are still not entirely within the spirit of the law, although we completely accept they fall within the current guidelines that the law provides. Lastly, they often want to control the funds in New Zealand, that hot bed of offshore international quality investment advisers! So, none of them have made it to our list of recommendations here.

So our list of SIPP reviews and qrops choices are a perfect starting point for expats, who want UK pension experts who deal in the offshore QROPS retirement market, and who put their clients first, and the QROPS provider second when making a decision about the best QROPS choice or SIPP rating.

We are regulated to give advice in the UK by the Financial Conduct Authority (FCA), and to give advice in the USA by the Securities and Exchange Commission (SEC) but this example is for outside both of those territories. Contact us if you live in the UK or the USA for advice by one of our regulated and authorised advisers in that country.

For more information Contact us now ›

Independent Product Reviews

Discover the best and worst financial products from our independent reviews and the experiences of many product customers. We have over 100 years combined experience with an unrivalled insight into the strength and weaknesses of each provider.

Discover Reviews ›