Case study

Mr T


Mr T is a Hotel Manager working at a Hotel in Cyprus.

He is age 50 and has been living outside of UK since 2012.

The problem

Mr T requested advice regarding his four Defined Contribution Pension Schemes from his employment with different companies in UK since he started work in 1986. He wants to consolidate all his four pensions in to one tax efficient pension scheme. He is a cautious investor and requires access to his pension at age 55.

The solution

3D Global arranged a Qualifying Recognised Overseas Pension Scheme, known as a QROPS with Malta based Sovereign Pensions Ltd. This allows Mr T to close his UK based pension schemes and transfer the funds to his new Sovereign QROPS. Mr T has a choice of Pension Funds to invest in. Mr T has been very pleased with the efficient way this was arranged for him.

The outcome

Mr T has chosen the Prudential International Bond as his investment vehicle. He has selected a mix of Prufunds that best suits his Cautious Attitude to Risk. He now deals with administration documents from only one pension scheme instead of four. He feels he has more control and has peace of mind that his pension is safely invested by Prudential who are UK’s largest Pension Provider. When he is age 55 Mr T can have the benefits of a 25% Tax Free Lump Sum plus income for life.

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