Expert UK Pension Advice for Expats Living Abroad
What is an International SIPP?
An International SIPP (Self-Invested Personal Pension) is a UK-regulated pension scheme designed to give British expats more control and flexibility over their retirement savings.
It allows you to transfer, consolidate, and manage your UK pensions while living overseas, giving you investment choice, flexibility, and tax efficiency tailored to your global lifestyle.
Key Benefits of an International SIPP for British Expats
Combine Your UK Pensions
Transfer old workplace and personal pensions into one easy-to-manage pot.
Global Investment Choice
Access a wide range of international funds, ETFs, and other investment options to suit your risk profile and objectives.
Early & Flexible Access
Access your pension from age 55 (rising to 57 by 2028) through flexi-access drawdown, lump sums, or phased withdrawals.
UK Regulation & Client Protection
An International SIPP is a UK-registered pension regulated by the Financial Conduct Authority (FCA). You benefit from:
FCA oversight ensuring transparency and security
UK-based trustees safeguarding your pension
Your pension stays under UK regulation, even while you live and retire overseas.
Why Work With a UK-Qualified, Singapore-Based Financial Planner?
Choosing a UK Chartered Financial Planner based and licensed in Singapore, Asia’s Financial hub, gives you peace of mind that the advice adheres strictly to the highest of standards and regulation.
UK Pension Expertise
We understand the complex rules of UK pensions, including transfer rules, taxation, Lifetime Allowance (LTA) abolition, and pension freedoms.
Specialist in Cross-Border Retirement Planning
From tax residency planning to multi-currency portfolios, we align your UK pension strategy with your overall Financial Planning objectives whilst abroad, however long that might turn out to be.
Local, Personalised Support
We’re based in Singapore, offering face-to-face service, ongoing reviews, and regular updates on the ever-evolving UK Pensions landscape.
FAQs – UK Pensions & International SIPP for Expats
Q: Can I transfer my UK pension to an International SIPP if I live in Singapore?
Yes, most private pensions and defined contribution workplace schemes are transferable. We’ll assess your eligibility as well as suitability, and guide you through the process if a transfer is deemed to be in your best interest.
Q: Is my pension protected if I transfer it into an International SIPP?
Yes, we will only use UK FCA-regulated providers, and you may benefit from FSCS protection up to £120,000 per provider, on deposits.
Q: What if I move to another country?
An International SIPP offers portability, so your pension “goes with you”, wherever you decide to retire.
Sam Barrie, founder of Obsidian Financial Planning, has helped many British expatriates address their UK Pension Schemes whilst resident in Asia, and is happy to guide anyone seeking clarity on their own position.
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Written by Sam Barrie, Obsidian Financial Planning (RNF: BSG300134621, representing Synergy Financial Advisers) – this article is written to provide generic information only and does not constitute Financial Advice, which is only provided in an official report based on your individual circumstances.
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