Retirement Planning for UK Expats
Prepare for retirement with a clearer understanding of your goals, pensions, expected income and how living abroad may affect the plan.
Build a Retirement Plan Around the Life You Want
Planning for retirement can feel overwhelming, but you do not have to navigate it alone.
A clear retirement plan helps you understand where you stand, what income may be available and whether your existing pensions, savings and investments are likely to support your goals.
The plan should also be reviewed as your circumstances, retirement date and country of residence change.
Start With the Questions That Matter Most
Explore answers to some of the questions people commonly ask when reviewing their retirement plans.
When Should I Start Planning for Retirement?
It is never too early or too late to start planning for retirement. There is usually something you can do to move closer to your financial goals. Starting earlier gives savings and investments more time to grow, while planning closer to retirement can help you organise income, reduce uncertainty and identify any gaps that still need attention.
I Have a State Pension. Should I Do More?
The UK State Pension may provide an important part of your retirement income, but it may not cover all living costs or support the lifestyle you expect. It should be reviewed alongside workplace pensions, personal pensions, savings, investments and any other expected sources of income.
What Mistakes Do People Often Make When Planning for Retirement?
Common mistakes include delaying the plan, failing to review it, underestimating future expenditure and overlooking the long-term effect of inflation. People may also take too much or too little investment risk, draw income without considering tax or assume that their arrangements will remain suitable after moving abroad.
Continue Into the Areas Most Relevant to Your Plan
Pension Advice for UK Expats
Understand your existing UK pensions, income options, guarantees and how living abroad may affect the wider plan.
Explore Pension Advice →UK State Pension
Learn how the UK State Pension works and how it may contribute to retirement income while living overseas.
Read the State Pension Guide →Tax Planning for UK Expats
Understand how UK and local-country tax rules may affect pension income, investments and retirement withdrawals.
Explore Tax Planning →Cross-Border Investment Management
Review how investments may support long-term growth, retirement income and changing needs while living abroad.
Explore Investment Management →Recent Articles on Retirement and Pensions
Explore recent guidance on retirement planning, pensions, tax and living abroad.
Ready to Review Your Retirement Plan?
Whether retirement is many years away or approaching quickly, an adviser can help you understand where you stand and what steps may be worth considering next.