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A Qualifying Recognised Overseas Pension Scheme is a pension scheme that has been recognised by HMRC. It allows you to move your pension from the UK if you plan to retire overseas. The benefits of the QROPS will depend on the jurisdiction of where the scheme is established.

Transferring from a UK registered pension scheme to a QROPS will be subject to an Overseas Transfer Charge of 25% unless one of five exemptions applies.

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A Qualifying Non-UK Pension Scheme (QNUPS) is a pension that exempts certain overseas pension schemes from UK inheritance tax (IHT). It is a way of saving for retirement outside of the UK and is not restricted to the UK annual allowance or the lifetime allowance. It is a great way to allow for overseas pension consolidation.


A Self Invested Personal Pension is a UK registered defined contribution pension scheme and therefore the benefits payable depend on the payments made to the SIPP and the investment performance of the assets of the SIPP.

You are able to draw benefits from age 55 with no requirement to take an income at any stage. You have complete flexibility with how you draw your benefits and can take up to 25% of the value of the pension tax free.

It is an ideal vehicle to consolidate existing pensions and select your own investments and drawdown strategy.

International Expat SIPP

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IVCM Heritage SIPP
IVCM Heritage Emirates NBD SIPP