IVCM Gibraltar QROPS

IVCM Gibraltar QROPS

Gibraltar is a British Overseas Territory and by this designation, is recognised as a European Economic Area (EEA) territory. The financial services industry is governed and regulated by the Financial Services Commission (FSC).

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IVCM Gibraltar QROPS

IVCM Gibraltar QROPS

The IVCM Gibraltar QROPS is a ‘Defined Contribution’ pension scheme which is regulated and registered in Gibraltar. It has been tailored specifically to help you save for a better retirement, whether you are living or retiring in Gibraltar or overseas.

IVCM Trustees (Gibraltar) Limited are the trustees of the scheme who are based in Gibraltar and registered and regulated by the Gibraltar Financial Services Commission (FSC). Gibraltar is an Overseas British Territory and the local currency is Pound Sterling.

Key Benefits

LOW INCOME TAX

Pension Income tax levels in Gibraltar are one of the lowest in Europe at 2.5%. This means when you withdraw funds in retirement, doing so from a Gibraltar based scheme as opposed to the UK may save you money.

30% TAX FREE LUMP SUM

In retirement you can normally withdraw up to 30% as a tax free lump sum, in comparison to most UK pensions where you are typically only entitled to 25%.

NO LIFETIME ALLOWANCE CHARGE

There are usually no restrictions to the amount of pension funds you can accumulate over your lifetime meaning that you may achieve as much investment growth as possible without the worry of a Lifetime Allowance tax charge that would normally incur when saving in the UK.

INVESTMENT FLEXIBILITY

There is normally greater investment flexibility in comparison to most UK based pension schemes.

NO TAX CHARGE ON DEATH

There are usually no tax charges on death meaning that you may pass down your pension funds to your beneficiaries without the worry of being charged.

Product Documents

Application Form

Key Features

Terms and Conditions

Fees Schedule 2023

Investment Policy

Form 1 - Appointment of Adviser

Form 2 - Benefit Request

Form 3 - Change of Details & Beneficiary Nomination

Form 4 - Early Encashment Declaration

Form 5 - Execution Only Transfer Declaration

Form 6 - QROPS Professional Client Declaration

Form 7 - Structured Product Declaration

Form 8 - Unlisted Share Questionnaire

Any Questions?

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