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Why Choose Lite QROPS?

Our Lite QROPS is available for transfers or investments of up to £100,000 in value. In general, a QROPS solution can offer many benefits. You should discuss your options with your professional adviser, however some key considerations are outlined below. Our QROPS products are available through Malta, Gibraltar and the Isle of Man where some local variations may apply. Your professional adviser will discuss the most suitable jurisdiction with you and the different arrangements within each jurisdiction.

  • Your retirement benefits may be drawn at any time between the ages of 55 and 75.
  • You can withdraw up to 30% of the accumulated fund, when benefits have started as a pension commencement lump sum (PCLS).
  • Pension Commencement Lump Sums are paid free of tax across all jurisdictions.
  • Across our QROPS jurisdictions there is an extensive network of Double Tax Treaties, which allows income to be paid gross, where an effective treaty is in place. Malta leads the way with the number of treaties.
  • Flexible drawdown options.
  • The option to rebase the currency of the scheme to that of the residence of the member.
  • No Lifetime allowance cap in place once you transfer to a QROPS.
  • The ability to pass 100% of your residual pension assets to your beneficiaries on Death.

Investment Options Available

QROPS can hold many different types of investments, with some restrictions in line with the
investment guidelines adopted by the Trustees.

QROPS Investments

Key literature and forms

Malta

Scheme Particulars

QROPS Fee Schedule

Terms and Conditions

Client Investment Trade Fee Disclosure

Retirement Options Form

Gibraltar

Scheme Particulars

QROPS Fee Schedule

Terms and Conditions

Isle of Man

Scheme Particulars

Application Form

Malta

Momentum Pensions Malta Limited is licensed as a Retirement Scheme Administrator by the Malta Financial Services Authority (MFSA), Company Registration Number C 52627.

Gibraltar

Momentum Pensions (Gibraltar) Limited is regulated by the Gibraltar Financial Services Commission as a Pension Scheme Operator for the Momentum Gibraltar Pension Plan, holding permissions under the Gibraltar Financial Service Act 2019 to carry out the regulated activities of establishing, operating or winding up a Personal Pension Scheme under Permission Number 19015.

Isle of Man

Momentum Pensions Limited is registered as a Retirement Benefits Scheme Administrator by the Isle of Man Financial Services Authority under registration number RA102.

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