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Pension Transfers to Canada

If you are thinking of transferring any existing UK pensions to Canada, then you should read the article below.

There have been more rule changes again to ROPS / QROPS for 2017. Fortunately, it hasn’t affected pension transfers to Malta for tax residents in Canada as the cash lump sum available was already changed to 25%. Flexible access is still available in Malta meaning you can access your entire pension at age 55, although we argue that isn’t smart retirement planning as your pension essentially has to last you 30 years at retirement.

At the moment, we are recommending against UK pension transfers to Canadian RRSP’s as many of them are not passing HMRC’s requirements to be a ROPS and thus face an unauthorised tax charge.

If you are moving to Canada, it may be better under current ROPS rules to move your pension to Malta before you leave to work or retire in Canada.

Pension Transfer to South Africa

Pension Transfers to South Africa for Tax Residents in South Africa. QROPS / ROPS 2016/17 for British expats moving to South Africa and South Africans returning from working in London or working in the UK.

You can transfer your existing UK pensions to a Recognised Overseas Pension Scheme (ROPS) formerly known as QROPS in Hong Kong and have your retirement income paid out tax-free with no tax on growth or death in Hong Kong.

If you are leaving the UK permanently, a UK pension transfer to Hong Kong avoids the death taxes in the UK of up to 45% after age 75 and UK income taxes of up to 45%.

Thanks to the HK – SA Double Taxation Treaty, a HK pension is taxed only in Hong Kong, meaning a South African pension is paid out tax-free.

You can choose the currency and investments of your pension scheme.

Your retirement income is then paid directly into your HK bank account tax-free.

Pension Transfer to Ireland

If you are moving to Dublin or moving to Ireland from the UK, you may wish to consider transferring your pension out of the UK tax system.

If you are living in Ireland, you can transfer your UK pension to a QROPS to get it out of the UK tax net. This avoids any tax on death. You can then choose to move your pension into EUR or keep it in GBP.

If you are transferring a pension to Ireland from the UK, you should speak to QROPS Specialists.

We can help Irish expats who have worked in the UK move their pensions overseas out of the UK tax net.

If you are planning on retiring in Ireland, we can help you with tax and pension considerations.

Pension Transfer to the USA

You can transfer a UK pension to Malta if you are considering moving to the USA or retiring in the USA later on in life.

A UK pension transfer to Malta can avoid UK taxes on growth, income and death. Malta has a Double Taxation Agreement with the USA and if the trust is written correctly, you can pay only US income taxes on your pension at retirement, avoiding death taxes.

Transferring a UK pension to the USA is a complex subject though and in many cases, you may be better off leaving your pension in the UK, particularly if you have a final salary pension or small pension scheme. Much care needs to be taken to perform a Transfer Value Analysis report to see if a transfer is worth considering.

A Malta ROPS can be denominated in GBP or USD. You can also choose the investments, but there are certain restrictions on what you can invest in.

QROPS USA / ROPS USA / Pension transfers to the USA / Pension transfers to Malta for US residents

American expats returning from working in the UK can transfer their pensions

British expats can transfer their existing UK pensions to a Malta ROPS if they are moving to the USA

Dutch expats can transfer their existing Dutch pensions to a Malta ROPS if they are moving to the USA

Irish expats cannot transfer their pensions due to Irish pension law restrictions.

When transferring a pension to the USA, consult a QROPS specialist.

See link here for more information

Pension Transfer to NZ for Australia

You can now transfer your pension to New Zealand and draw your pension income in Australia thanks to the Trans-Tasman Retirement Portability Agreement.

Currently, there is only one pension scheme which is both a NZ ROPS and also registered in Australia.

This is an option due to the caps and age restraints surrounding UK pension transfers to Australia directly.

The New Zealand pension transfer solution is for expats who want to transfer their pensions out of the UK tax net in one single transfer and still pay no income tax on their pension in Australia.

When transferring your pension to NZ, your existing UK pensions are taken out of the UK tax net. When you draw your pension income at age 55 or later, your pension is paid tax-free into your Australian bank account. There is no tax on growth, death or income.

You can choose a managed account in either GBP or AUD.

British expats can transfer their existing UK pensions to NZ and pay no income tax in Australia

Irish expats can transfer their existing Irish pensions to NZ and pay no income tax in Australia

Dutch expats can transfer their existing Dutch pensions to NZ and pay no income tax in Australia

Australian expats can transfer their existing UK pensions to NZ and pay no income tax in Australia

QROPS Australia / ROPS Australia / QROPS New Zealand / ROPS New Zealand pension transfers

Transferring a pension to New Zealand for tax residents in Australia.


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The journey begins…

A little while ago I hinted of which I had a big project I was working on. Well, I thought the idea was about time to let you all in on the idea. Several months ago Jo along with also I were contacted by Mike at Greentea Design who was interested in an ad on the Website. I was stoked about This kind of because I had seen their timber, Asian-style kitchen cabinets before along with also thought they were fantastic. I thought about how horrible my existing kitchen was along with also a lightbulb went off – why not see if they’d sponsor a kitchen reno project?!?! along with also what do you know – they went for the idea!!! They agreed to supply me with the cabinets I needed, along with also in return I might Website about my kitchen renovation (most of which will be included on a brand new Website) through planning down to the finished product. A pretty decent tradeoff considering This kind of can be what I was working with:

(I had to use an old photo here because I know some of you will be sad to see the kitchen – as the idea can be today – go inside the dumpster).

I have never done a kitchen renovation before so This kind of can be all brand new to me along with also I am SO EXCITED about the idea. The guys over at Greentea have been so amazing to work with along with also are so unbelievably helpful to me. the idea’s been a bit tough with them based in Toronto along with also me being in Ottawa – so we have only had a couple phone conversations, MANY emails along with also unfortunately, I haven’t had the chance to see their products in person. Despite This kind of we’ve made truly Great progress since the beginning.

Along the way I’m hoping to get some advice through our readers on decisions I have made or need to make, along with also hopefully they will help me with This kind of along with also future kitchen renovations, along with also our some other readers as well. Also, the folks at Greentea are hoping to get some feedback on their products along with also some of the features they have to offer on their website to assist potential kitchen renovators in creating their choices. So I’m hoping you’ll leave tons of comments.

As I mentionned, I will be blogging my way through the entire renovation. You’ll see the plans we came up with, choices of appliances, countertop, backsplash along with also lighting. You’ll witness the demolition of the lovely existing cabinets, the flooring installation, the plumbing along with also electrical involved, cabinet arrival along with also installation, along with also decorating. I will be taking many photos along the way.

I thought to begin This kind of process, I’d start off with some photos of my kitchen as the idea exists today, pre-renovation. Actually, I’ll even start that has a couple photos of what the kitchen looked like before I moved in (the first 2) along with also when I took possession of the house in December.

As you can see, the idea was pretty awful, along with also soooo boring. the idea was difficult to spend any length of time inside the idea. So one day, I went to my local Benjamin Moore store along with also decided, since I might eventually be getting a brand new kitchen, of which I might go a little crazy with the cabinets along with also paint them pink. The backsplash was a terrible sort of terracotta brown colour so I found some semi-gloss white paint I had along with also painted the backsplash. Amazingly, the idea’s held up truly well.

Next time I will show you some of the ideas I had with some not-so-Great drawings I made up to send to Greentea, along with also some of the reasons why I was so desperate to get rid of This kind of kitchen in place of something utterly fabulous.
The journey begins…

Don't let the cute pink cabinets fool you

So I’ve shown you all my horrible to slightly less horrible kitchen in which I will be renovating, as well as next I thought I’d show you the structure ideas I had for the brand new kitchen. Here’s a photo to recap what the kitchen looks like currently:

I’ve done a rough drawing of the structure to make the item clearer where everything will be located. (Sorry yet I don’t know how to use software to do This kind of so you’ll have to bear with my lovely drawings).

As you can see, This kind of kitchen will be definitely definitely badly designed. Or not designed as I see the item. as well as the craftsmanship everywhere will be AWFUL. The cabinets are made of solid wood (MDF?) – so the drawers are heavy as well as are a total pain to open as well as close. Half of the magnet latches to keep the doors closed are missing. The little built-in china cupboard with glass doors got a serious chuckle via my contractor. He thinks they are bifold closet doors made into cabinet doors. The island was made with scraps of tongue as well as groove paneling as well as bits of trim, as well as was initially left unpainted/unstained. There was an ugly square table in which was built at the end of the island in which I ripped off as well as tossed the day I moved in, in which came with 2 cheap wooden chairs in which I also tossed. The cabinet over the island will be a pain to get into because you have to lean over the island to see into the item. generating sure in which’s the cabinets in a nutshell.

Then there’s the worst tile job EVER on the floor. Seriously, I burst out laughing when I first saw the kitchen floor. The tiles are ugly to begin with, as well as the grout will be much darker than the tile colour which makes them look definitely dirty. When they were grouted, the excess was not wiped off so there’s grout everywhere. To make things worse, the person in which laid them must have been drunk because there will be not one straight line.

The appliances – UGH. The stove will be not bad, yet the elements take a long time to heat up. as well as the item’s cheap. The fridge will be just in which – a fridge. There will be no freezer within the item. as well as I am the only one in which lives here. So the item’s HUGE. There will be a big chest freezer within the basement so when I want ice in my drink, I have to go down there to get the item (so I stopped using ice). If I am by the sink or stove, I have to walk around the dining table to get to the fridge – in which has to be the most annoying thing about the space. The dishwasher, housed within the island, makes a total racket when the item’s running.

The lighting will be terrible. I have a ceiling fan with lights over the table, as well as in which’s the item. I had to put a lamp on the counter near the stove because the item’s too dark when I’m cooking. There was a hood fan over the stove having a light yet the item was mounted so low I couldn’t see what I was cooking. I tossed in which after the third time I smucked my head on the item.

generating sure in which’s what I’ve been dealing with since December. You can imagine how elated I was to learn all This kind of can go in a big dumpster…as well as SOON!

When I first began daydreaming about a brand new kitchen, I had figured I would certainly go to Ikea, get some glossy white cabinets, as well as keep the structure basically as the item will be, galley style. The wall the fridge will be on would certainly come down, opening the item up to the living room, as well as the dining table would certainly be between the island as well as the living room. yet then I got word in which I would certainly be getting Greentea’s gorgeous solid wood kitchen cabinets as well as I knew galley style wouldn’t work. Their beauty would certainly be for the most part hidden so I knew I had to come up having a different structure to expose them more. I knew the wall had to come down to open up the tiny space, as well as since I have 3 doors on the main floor in which open outside, I thought I could seal up the door next to the island. So with in which, an L shape structure seemed to work. This kind of will be the first drawing I sent to the guys at Greentea, with the door gone, the wall gone, as well as an L shape design (rotate This kind of 180 degrees to get the same angle as the drawing above).

This kind of will be not the final design I ended up choosing, yet I thought I’d reveal in which with my next post, as well as show you the cabinets I decided on. I’d like to take This kind of opportunity to get your opinions, as well as see what you guys would certainly do with the brand new kitchen structure. Do you favour uppers? No uppers? would certainly you have done the item galley-style? Greentea incorporates a fantastic kitchen guide in which helped me immensely – be sure to check the item out, especially if you’re looking to give suggestions.
Don't let the cute pink cabinets fool you

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