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Since QROPS became an option for expats Tre'Quan Smith Authentic Jersey , there has been an impressive take up of people choosing to include them as part of their wealth management strategy. Transferring your pension into a QROPS can give rise to many benefits, but some expats forget to look more deeply into the various schemes available, in order to find the best one for them. Here’s a brief guide to the various elements that you should think about.


Protect Your Wealth Management Strategy with Approved Products
As any wealth management specialist will tell you Marcus Davenport Authentic Jersey , there’s no point transferring your pension into a QROPS unless you can be sure that it’s the right scheme for you and your family. Professional and qualified advice is worth its weight in gold when it comes to taking out a new financial product, so find a QROPS advisor who can give you all of the information that you need to make an educated decision. The first thing that you must make sure of is that the scheme you’re looking into is on the approved list, because if you transfer your pension into an unapproved QROPS you can face some hefty financial penalties.


When checking the QROPS against the HMRC register you’ll also notice that some schemes have a warning alongside them Michael Thomas Authentic Jersey , to indicate that they are currently being investigated by HMRC – it goes without saying that these should be avoided. Another thing that you should talk about with your wealth management advisor is the different types of investments that your QROPS offers. Needs and circumstances change, so you want to be sure that you have a good level of flexibility in order to manage your money more effectively.


Retirement Options
When getting professional QROPS advice your consultant should also discuss your options when you ough there are some common elements to QROPS, some details Drew Brees Authentic Jersey , such as lump sum percentages, for example, can vary between different products Womens Chauncey Gardner-Johnson Jersey , so it’s worth checking what percentage your intended QROPS will offer. You may also be able to vary the amount of income you can access during your retirement, so ask your advisor about the specific rules of the QROPS you’re considering.


Probably the most important thing that you need to find out is what the QROPS rules state will happen when you pass on. It might sound morbid, but you need to check that your scheme will allow your spouse to carry on receiving your full pension entitlement Womens Erik McCoy Jersey , rather than just a portion. You need to find out whether the product allows for your husband or wife to receive your full pension, if you can leave your QROPS to other loved ones and also if there’s an option for them to receive what’s left as a lump sum.


There is no doubt that a QROPS can be a fantastic alternative to a regular pension for expats. There are plenty of excellent QROPS advisors around, so take advantage of their experience to help you make the right decision.


If you would like to read more about Wealth Management and QROPS feel free to visit our site for more info.

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Posted On : Feb-04-2011 | seen (220) times | Article Word Count : 372 |

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