Carrick Investment Services: Tel:+44 203 1399 013 Email: info@carrickis.com

slash_icon2Specialists in UK Pension Transfers

Because it's what you have, after you have it all, that counts.

Helping you with the life you want to live in retirement.

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Are you a UK expat with a Defined Benefit Pension Scheme? Will there be enough in your UK pension to sustain the lifestyle you envision for your retirement years? Is your UK pension safe? Are you sure?

 

While Defined Benefit Pension Schemes pay a guaranteed income for life, they are not as flexible as the alternative “defined contribution” schemes.   A Defined Contribution Scheme such as a SIPP (Self Invested Personal Pension) provides a number of compelling reasons to transfer your Defined Benefit Pension; you have full control and a wide choice of investments; can consolidate multiple pension schemes; benefit from flexi-access drawdown with a guaranteed Pension Commencement Lump Sum (PCLS) of 25%.  Most importantly the UK pension deficit crisis does not apply to Self Invested Personal Pensions.

 

Whether you decide to retire early or work longer, the earlier you start planning, the more likely you’ll be financially prepared for retirement. In the same way that you would diversify your investments, diversifying your pension - that is, spreading the investment risk across different markets - is key to obtaining more stable and robust returns and to minimising risk over the long term. It’s important to give yourself the best chance for a happy and secure future.

 

With years of experience in the financial services sector and, specifically, retirement planning, we’re able to give you the best advice you’ll find anywhere in the world. By seeking expert advice before taking steps towards pension planning, you can save yourself money and worry.

What Is a SIPP?

A SIPP (Self Invested Personal Pension) is one of the most tax-efficient ways of saving for retirement. Unlike a Defined Benefit Scheme, a SIPP gives you more flexibility with the types of investments you can choose.

SIPP Transfer Process

A SIPP (Self Invested Personal Pension) is one of the most tax-efficient ways of saving for retirement. Unlike a Defined Benefit Scheme, a SIPP gives you more flexibility with the types of investments you can choose.

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Because it's what you have, after you have it all, that counts.