Saving for a comfortable and prosperous retirement should be at the top of your financial planning list, wherever you live and work. Pensions are also one of the most tax-efficient ways to save, particularly for higher-rate taxpayers. A flexible retirement plan can help you accumulate long-term capital and provide a worthwhile return, while taking advantage of pension-related tax benefits.

It is essential that the chosen solution should be correctly structured to suit your circumstances. Operating across a number of different jurisdictions worldwide, Sovereign provides a ‘one-stop shop’ for retirement planning. We offer a selection of award-winning UK and international retirement planning products and solutions.

These include Self-Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSAS) in the UK. Overseas, Qualifying Recognised Overseas Pension Schemes (QROPS) and Qualifying Non-UK Pension Schemes (QNUPS) are available together with further international occupational or retirement savings options for both individuals and corporates.

In addition to product provision, Sovereign’s services cover a broad spectrum including scheme administration, technical pensions’ know-how, pension transfer guidance, investment management, actuarial services, tax planning and wealth structuring.

This is a complex area. For further guidance please follow the links below:

Gibraltar pensions
Malta pensions

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Please contact us if you have any questions or queries and your local representative will be in touch with you as soon as possible.