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Services

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We provide retirement solutions across national and international barriers, helping to solve future retirement challenges for hard-working individuals and corporates.

Cayman Islands,
Jamaica,
Antigua,
Chile,
Mali,
Ghana,
Burkina,
Tanzania,
Kinshasa,
Zambia,
Zimbabwe,
Botswana,
South Africa (Johannesburg, Cape Town, Durban),
Abu Dhabi,
Dubai,
Mongolia,
Papua New Guinea,
New Zealand,
Sweden,
IOM,
UK,
Jersey,
Holland,
Czech Republic,
Bulgaria,
Switzerland,
France,
Monaco,
Andorra,
Spain,
Greece,
Crete,
Cyprus,
Malta

Equilibrium Pensions has created five innovative offshore pension scheme products:

SIPPSonline Advantages


Operates under a MasterTrust arrangement with a common bank account (Barclays) and certain restrictions on eligible investments
Ability to transfer existing UK pensions which may have been accrued over the years into One scheme, over which Member has control
Scheme assets may be passed on to heirs and Successors, less 0% or 7.5% tax - dependent on circumstances
Tax relief given on contributions – permits a degree of flexibility over quantum of tax payable at tax year end. Maximum £50,000 annual contribution allowance (or 100% of NRE)
Tax free lump sum of 30%, with deferral of pension payment
Member may take pension and continue to work
Good value to set-up and administer
No minimum fee
Value offering for smaller schemes
Value offering for smaller schemes
Transparent charging structure
Assets grow free of tax
Special transfers permitted
No compulsory Annuity purchase required
Allow concurrency (more than one pension allowed)
Lets start planning your pension. Call us on

01624 675955

Domestic Personal Pensions Advantages


DPPs are individual bespoke schemes set-up and individually tailored
Ability to transfer existing UK pensions which may have been accrued over the years into One scheme, over which Member has control
Enables you to be a Trustee of your own bespoke Scheme
Scheme assets may be passed on to heirs and Successors, less 0% or 7.5% tax dependent on circumstances
Tax relief given on contributions – permits a degree of flexibility over quantum of tax payable at tax year end. Maximum £50,000 annual contribution allowance (or 100% of NRE)
Tax free lump sum of 30%, with deferral of pension payment
Member may take pension and continue to work
Good value to set-up and administer
Transparent charging structure
Assets grow free of tax
Special transfers permitted
Related Party Transactions permitted
“Open Architecture” investment options; e.g. Property, Financial Investments. Freedom of investment choice by the Member (unlike insured alternatives)
Residential property (subject to limit of 50% of fund) as permitted investment
No compulsory Annuity purchase required
Allow concurrency (more than one pension allowed)
Lets start planning your pension. Call us on

01624 675955

Domestic Corporate Pension Advantages


Ability to transfer employees’ existing UK pensions which may have been accrued over the years into one scheme
Reward and retain your staff
Tax relief on Contributions – which may come from Employee as well as Employer – (may be matched?)
Enhance brand loyalty within firm
Scheme assets may be passed on to heirs and Successors, less 0% or 7.5% tax dependent on circumstances
Good value to set-up and administer
Assets grow free of tax
Related Party Transactions permitted in certain circumstances
Flexibility with eligible investments; e.g. Property, Financial Investments, (unlike insured alternatives)
Complete freedom of investment choice by the Appointed Adviser (unlike insured alternatives)
Benefits from third party oversight and management
No compulsory Annuity purchase required
Allow concurrency (more than one pension)
Ability to transfer Member’s Fund into own brand Personal scheme later
Lets start planning your pension. Call us on

01624 675955

Agility 61H Advantages


Scheme assets may be passed on to heirs and Successors, with Zero tax on transfer
Post Age 55 complete freedom in withdrawals (subject to marginal rates of tax)
Tax relief given on contributions – permits a degree of flexibility over quantum of tax payable at tax year end. Maximum £50,000 annual contribution allowance (or 100% of NRE)
Tax free lump sum of 40%, with deferral of pension payment
Member may take pension and continue to work
Good value to set-up and administer
Transparent charging structure
Assets grow free of tax
Special transfers permitted
Related Party Transactions permitted
"Open Architecture" investment options. Freedom of investment choice by the Member (unlike insured alternatives)
No compulsory Annuity purchase required
Allow concurrency (more than one pension)
Existing schemes may be transferred less 10% fee to Treasury
Not HMRC QROPS
Lets start planning your pension. Call us on

01624 675955

International Personal Pension Advantages


Ability to transfer existing assets which may have been accrued over the years into One scheme, over which Member has control
IHT advantages
Specific compliance with UAE Gratuity law
Recognised in States with Napoleonic legal system e.g. France & Spain
Assets grow free of tax, benefits delivered free of Isle of Man tax
Benefits received free of tax in many circumstances e.g. South Africa
Good value to set-up and administer and Specie transfers permitted
Flexibility with eligible investments; e.g. Property, Financial Investments, as well as Currency denominated
Freedom of investment choice by the Member (unlike insured alternatives)
No compulsory Annuity purchase required
Suitable for Expatriates
Lets start planning your pension. Call us on

01624 675955

International Corporate Pension Advantages


Ability to transfer existing scheme assets into One scheme
Assets grow free of tax, benefits delivered free of tax in certain jurisdictions/circumstances e.g. South Africa
Able to provide a cross-border Retirement Benefit solution for expatriates
Provide cash-out option upon leaving employment
Transfer to suitable personal/corporate scheme if required
Good value to set-up and administer
Special transfers permitted
Flexibility with eligible investments
Freedom of investment choice by the Appointed Adviser (unlike insured alternatives)
Specific advantages for South African expatriates
No compulsory Annuity purchase required
Benefits from third party oversight and management
Denominated in currency of choice (usually USD)
Reward and retain staff with a corporate scheme
Lets start planning your pension. Call us on

01624 675955

In connection with the above products Equilibrium Pensions is able to provide the following services:

Pension Trusteeship
Conversion of existing corporate or personal schemes into Domestic Corporate Pensions (DCPs), Domestic Personal Pension (DPPs), International Corporate Pensions (ICPs) or International Personal Pensions (IPPs)
Establishment of Pension Scheme Trust Deed and Rules
Feasibility reports
Pension Administration