Global Pension Plan

Flexible pension options for those living or working abroad.

We offer a pension solution for people who work or live, in different countries.

The pension solution we provide is:

Our pension has the flexibility to offer you:

no restriction on minimum or maximum contributions, nor on frequency (although there is a minimum cost which may outweigh the benefit from the contribution)
no limits on the size of the pension fund
no tie-in period
contribution age range from 18 to 70 years old
your choice of retirement date (subject to requirements of the country you are residing in at the time)
benefits can be provided how you wish - e.g. lump sum; pension paid to yourself; pension paid to you and your spouse; inflation-linked pension etc.
a choice of where your scheme funds are invested (subject to trustees' approval)
widespread choice of investment types, including unquoted shares and property
no requirement to purchase an annuity on retirement.

Your pension is safe with us. You can rest assured that:

Gibraltar is a well-regulated jurisdiction
STM Fidecs Pension Trustees are licensed by the Gibraltar Financial Services Commission, number FSC 00845B
all scheme investments are held under trust
all scheme assets are held by reputable institutions.

By taking out a pension in Gibraltar, you will benefit from:

no tax in Gibraltar on the scheme's investments
no tax in Gibraltar on the pension paid out (although it may be subject to tax in your country of residence and you should take appropriate advice)
the scheme being outside the scope of the EU Savings Directive - if you are resident in the EU and have deposits in another EU country, the institution holding the deposit is required to either withhold tax from the interest or to report the interest earned to the country of residence. This only applies to individuals not to companies or trusts.

The inbuilt portability of the scheme offers you several advantages:

when you change employers you do not need to cease contributions into this scheme and set up a new one
you can continue contributing to the pension scheme as you move around the world
you may be able to consolidate all your existing arrangements into one scheme.

Our pension plan is a truly global scheme:

you do not need to be resident in Gibraltar to become a member of a scheme, Gibraltar is merely the home for it
you can retire anywhere in the world and draw down your pension.

With our secure website and thorough knowledge of the sector, our pensions have the convenience of:

personal access to details of your fund from anywhere through a password-protected website
efficient and flexible succession planning

A Gibraltar International Pension Scheme features all of the key attributes detailed above and can benefit you in many ways.

For a company, it can:

provide a desirable employee benefit, especially for higher-paid employees
assist in the retention of key employees
encourage employees to save for their retirement
add an incentive for recruitment of staff
provide you with an international solution to pension provisions for employees located in assorted countries.

As an individual, a Gibraltar International Pension Scheme offers you:

the chance to take advantage of available tax benefits
a solution for your retirement planning
flexibility, both for contributions during working life and pensions during retirement
a wide range of investment options which may not be available to individuals
an individually-designed solution for your pension needs
a way to consolidate existing pension schemes (subject to approval for the transfer of some schemes from the tax authorities of the country where the scheme is located).

For both companies and individuals, it provides:

security for your assets from the effects of any trading problems employers may face and from political or economic conditions
access to experienced pension professionals.

Why choose STM Fidecs Pension Trustees?

We are an experienced, reliable and fully compliant pensions provider. As such, our services include:

advice on existing pension arrangements
advising on available options for future pension provision
creation of new schemes
document organisation for the new scheme
attainment of approvals as required
arranging for new members to join existing umbrella schemes
monitoring the performance of the schemes‚Äô investments
controlling and recording contributions
book-keeping and the preparation of annual scheme accounts
providing information as required to members, including regular statements
liaising with investment managers and advisors
dealing with queries, providing advice and generally communicating with members as required
maintaining all trustee records
organising trustee meetings
pro-actively providing advice on an ongoing basis to both employers and members.