Malta is situated at the strategic heart of the Mediterranean within easy reach of Europe, Africa, the Middle East, and Asia. It is an independent republic, a full member of the Commonwealth and the European Union, including the Eurozone, and has its own combined civil and common law-based system while also being subject to all EU Directives.
Malta is internationally recognised as a jurisdiction providing excellence in financial services. It offers an attractive cost and tax-efficient base for clients looking for an EU-compliant, yet flexible, domicile. It has its own efficient taxation regime and enjoys an extensive network of double-taxation agreements with more than seventy countries from Australia to the USA. Malta is a corner-stone of efficient structuring options for our EU and world-wide clients and offers itself as an excellent jurisdiction for companies and individuals seeking to protect their wealth.
QROPS & QNUPS
Packaged QROPS products utilising our own in-house life assurance company (STM Life)
QNUPS – available to UK or non-UK residents
EURBS – available in other EU countries
US QROPS for those resident in the United States
US Expat Plan
Occupational Pension Schemes within Malta
We employ numerous technical specialists and invest in product development to ensure the delivery of innovative and global solutions to both clients and intermediary partners.REQUEST INFO ABOUT INTERNATIONAL PENSIONS NOW
TO APPLY, AN INDIVIDUAL MUST:
Be a member of an Irish occupational pension scheme with a transferable preserved benefit where the qualifying service in employment relating to the scheme exceeded two years and terminated (otherwise than on death) before normal pensionable date
Wish to transfer that pension for bona fide reasons (e.g. retiring overseas and want to consolidate pensions) and not for the purpose of circumventing Irish pension rules and conditions
Be tax resident outside Ireland and intend to remain outside Ireland
Have no intention to retire in Ireland
Please request information on our simple 3-step application process and how your clients could benefit from transferring their Irish occupational pension into the STM Malta’s EURBS.Request info about EURBS now
STM Malta has a number of internal policies regarding governance. The majority of the Firm’s business involves member directed investment portfolios. Given the relatively small size of each investment portfolio, it is not practical to incorporate sustainability risk into the consideration of investment transactions. However, we support any initiative by individual clients to take account of Sustainability Risk in their personal investment policy agreed with their adviser. We will require all new client investment advice mandates consider Sustainability Risk.
The STM Malta Occupational Retirement Scheme is currently too small for Sustainability Risk to have a material impact on the scheme. At the present time, the investment policy requires that all investments issue Sustainability Risk information. As the fund grows, STM Malta will consider further whether the scheme should take a more active position regarding Sustainability Risk in its investment decision process.
Given that Sustainability Risk is not a factor in the investment decision process, the remuneration policy places no requirements in this regard on key employees.