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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.
|Gibraltar||Australia||New Zealand||United Kingdom||Malta|
|Contribution Limits||No Limit||100,000 AUD||No Limit||40,000 GBP||No Limit|
|Lifetime Limit||No Limit||1.6 Million AUD||No Limit||1 Million||No Limit|
|Investment Options||Open Architecture||Blue Chip||Blue Chip||FCA Standard Assets||Open Architecture|
|Age to access benefits||Age 55||Age 55||Age 55||Age 55||Age 55|
|Double Taxation Agreements||0||45||38||133||71|
|Income Tax at Source||2.50%||0%*||0%**||Up to 45%||Up to 35%|
|Tax on Death Benefits||No||No||No||Marginal Rate > 75||No|
* 0% tax will only apply if the preservation rules are met
** 0% tax will only apply if the prescribed investor rate = 0%