Jurisdictions Comparison

Technical disclaimer – This section of the website is only directed at financial advisers, professional, institutional or qualified investors and is not suitable for retail investors.
If you remain on this page, you understand and declare that you qualify as one of the above and that you are not a retail investor as defined in the relevant jurisdiction legislation.

It is very important in financial planning to select the best product(s) for customers based on their objectives. There are many features which make up a pension product, some more important than others.

The table below provides a comparison of important features within a pension product under different jurisdictions.

GibraltarAustraliaNew ZealandUnited KingdomMalta
Contribution LimitsNo Limit100,000 AUDNo Limit40,000 GBPNo Limit
Lifetime LimitNo Limit1.6 Million AUDNo Limit1 MillionNo Limit
Investment OptionsOpen ArchitectureBlue ChipBlue ChipFCA Standard AssetsOpen Architecture
Age to access benefitsAge 55Age 55Age 55Age 55Age 55
Flexi-Access DrawdownNoYesYesYesYes
Double Taxation Agreements0453813371
Income Tax at Source2.50%0%*0%**Up to 45%Up to 35%
Tax on Death BenefitsNoNoNoMarginal Rate > 75No

* 0% tax will only apply if the preservation rules are met
** 0% tax will only apply if the prescribed investor rate = 0%