Malta has built and maintained a reputation as one of the most stable and respected jurisdictions for QROPS, and its appeal continues to grow among advisers supporting internationally mobile clients. The island’s status is not the result of any single advantage, but rather a combination of regulatory depth, international cooperation, and a long-standing commitment to
As clients become more internationally mobile, the structures that support their retirement planning must be able to withstand change, not just from a tax standpoint, but in regulation, investment environments, and geopolitical shifts. Against this ever-changing backdrop, governance has become one of the defining factors in selecting an international pension provider. For advisers, understanding the
The Malta Pension Rules have been revised and this update provides you with further information on these changes ahead of implementation. There are still ongoing discussions with the MFSA and if anything changes we will update you accordingly. Key revisions: 1. De-Risking Notification requirements The changes in the Pension Rules focus on encouraging Members approaching
The UK Government has published draft legislation set to take effect from 6 April 2027, introducing the significant changes to the Inheritance Tax (IHT) treatment of pension interests. Consultation on this draft legislation is open until 15 September 2025. The draft legislation provides that unused pension funds held within the following schemes, regardless
Global mobility is now the norm. Many clients no longer spend their whole lives in one country—they may work in several jurisdictions, retire abroad, or move multiple times during their careers. For financial advisers, this shift creates opportunities to add real value, but also increases complexity, particularly when it comes to pensions. Cross-border pension planning
The idea of a fixed retirement age is changing. Increasingly, people are choosing—or needing—to work well into their later years. For some, this decision is financial. For others, it is about lifestyle, identity, or even health, with work providing structure and purpose. Whatever the reason, the traditional model of stopping work at around 65 is
Retirement planning has always carried an element of uncertainty, but for clients living internationally, one risk has become increasingly important: currency fluctuations. Exchange rates change constantly and while short-term shifts may appear minor, over the course of a 20- or 30-year retirement they can significantly affect the real value of income. When someone draws a
Artificial Intelligence (AI) is starting to influence how schemes and advisers operate, interact with members, and manage investments. At Momentum Pensions, we recognise the vast opportunities AI brings – but also the importance of adopting it in a way that safeguards the interests of members and upholds the principles of responsible pensions management. Navigating the
We are delighted to support Irish expatriates around the world by extending our offering to facilitate transfers from Irish Pension Schemes. Suitable for Irish expatriates or individuals with Irish Pension Schemes intending on retiring overseas, the proposition aims to deliver flexibility around retirement planning in a currency and jurisdiction that suits their needs. Transferring an
