Top countries

You have many options about where to invest

You do not have to live in the country that you register your QROPS in – but you must live outside the UK.

46 countries have approval from HRMC to offer QROPS – but not all of these countries have lower tax rates than the UK. Countries with generally lower taxes include:

  • Isle of Man
  • Malta
  • New Zealand
  • Gibraltar

When choosing where to invest, your financial adviser will take into account factors such the following:

  • Current lifestyle and expenditure
  • How much you want to withdraw as a lump sum
  • Age that you want to retire
  • The local income tax rates
  • The strength of local currency
  • The volatility of the local markets

These factors, and many others, vary between countries.