Investment allocation
Assess whether the fund mix, currency exposure and risk remain appropriate for your planned retirement and potential drawdown period.
International retirement planning
Does your offshore pension plan still fit?
If you already hold an international pension or retirement savings policy, a second opinion can help you understand its costs, current portfolio, contractual terms and retirement objectives.
Policy-specific information · No guaranteed returns · No obligation to transfer or surrender
A review focused on
Existing policiesInvestment allocationPlan chargesOngoing servicing
Pension second opinion
A retirement plan is more than its current balance.
An offshore or international pension arrangement may have been set up while you lived in a different country. Your retirement date, contribution capacity, residency, beneficiaries and income needs may have changed since then.
A useful review starts by identifying whether the contract is genuinely a pension product, an investment-linked insurance policy or another form of savings arrangement. Those distinctions matter for access, charges and tax considerations.
Review the full pictureTime horizon.
Decisions should follow your policy documentation and professional advice relevant to your residence.
Time horizon.
Costs.
Income needs.
Decisions should follow your policy documentation and professional advice relevant to your residence.What to examine
Four areas of an international pension plan review.
Contribution history and net return
Compare dated contributions, transfers and withdrawals with the current valuation. Distinguish underlying fund returns from policyholder net outcomes.
Charges and contractual conditions
Review disclosed policy, platform, adviser and fund costs. Check the relevant maturity, withdrawal, surrender and beneficiary provisions.
Retirement income options
Explore the timing and practical mechanics of withdrawals without assuming a guaranteed income or a particular tax treatment.
Not sure whether to keep your current adviser? Read about getting a financial adviser second opinion. For terminology, see how to read a policy valuation.
Policy review directory
Your existing provider. A fresh perspective.
Explore reviews for existing plans. Provider names are shown for identification only; no affiliation or endorsement is implied.
Know where you stand.
Then decide what comes next.
Start with a conversation about the plan you already own.
Take the next step
Get clarity on the plan you already own.
Tell us who your policy is with and what you want to understand. We'll arrange a personal review of your existing situation.
Your enquiry will be reviewed by Expat Wealth Desk. You can optionally attach a recent valuation so we can understand the current policy. Please never include passwords or identity documents.
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Expat Wealth Desk · Review Call
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Frequently asked
Before you make a decision.
Can my existing plan be reviewed without closing it?
Often, yes. Reviewing the documents, valuation, charges and holdings does not require terminating a plan. Available servicing options depend on your provider and policy.
Does changing an adviser mean changing the investment provider?
Not necessarily. Adviser servicing arrangements and transferring or surrendering a policy are different actions. The provider’s rules and account conditions determine what is possible.
Can you tell me exactly how much my plan costs?
Only once the precise product, issue date, policy terms and relevant statements are known. Generic fees shown online might not apply to your contract.
Are you part of the providers mentioned on this website?
Provider names describe the plans that visitors may already hold. This website is not an official provider portal and does not imply an endorsement by any provider.