SJB Global

Retiring abroad? Your UK State Pension might not grow with you.

In countries like Australia, Canada, New Zealand and South Africa, the State Pension is frozen. Locked at the rate it was first paid.

No triple lock. No annual uprating. No protection against inflation.

Over a 20-year retirement, the gap between a frozen pension and an uprated one can quietly grow into a serious shortfall, eroding purchasing power year after year. Yet most expats only discover this after they've moved.

If the State Pension is part of your retirement plan, where you live could matter as much as how much you've saved.

George Symes breaks down which countries are affected, why the policy exists, and how to plan around it.

State Pension Freezing for Expats Explained | SJB Global Understand how UK State Pension freezing affects expats abroad and what it means for your long-term retirement income.

Leaving the UK? Your finances don’t just come with you unchanged.

From ISAs losing local tax advantages to pension access becoming more complex, the small details can have a big impact once you’re non-UK resident.

In this piece, Dion Angove, breaks down what actually happens to your ISAs, pensions, and investment portfolio when you move abroad and where people often get caught out.

If you’re planning a move, this is worth a read before you make any decisions.

Read the full article.

GlobalMobility

Leaving the UK: ISA, SIPP & Investment Guide | SJB Global Learn what happens to ISAs, SIPPs and investments when leaving the UK. Understand tax, access and planning considerations for expats.