EXPATRIATE SERVICES
STM provides pension services to companies resident in Gibraltar, and also to internationally-mobile individuals. With schemes in the key jurisdictions of Malta and Gibraltar, we provide a complete pension transfer solution for both EU and non-EU residents, making the most of over 70 double tax treaties Malta has in place with other countries.
Between Malta and Gibraltar, we employ over 70 dedicated highly skilled people within our pension teams. Our level of expertise has enabled us to become pioneers in our field and ensures we can offer unique solutions as well as traditional UK to QROPS transfers:
QROPS & QNUPS
Packaged QROPS products utilising our own in house life assurance company (STM Life)
Global Savings Plan for those living or working abroad – ideally suited to companies
QNUPS – available to UK or non-UK residents
EURBS – available in other EU countries
US Plans – traditional QROPS plus a plan for US Expats
Occupational pension schemes within Malta or Gibraltar
With a number of technical specialists we able to invest in product development ensuring innovation and global solutions for our clients and intermediary partners.
Find out more about our Pensions Solutions:
WORLD LEADERS IN QROPS PENSIONS
Pensions
Jurisdictions
Advisors
For the growing number of individuals now working abroad and the many more becoming full time expatriates in tax free, or low tax, environments, careful planning is needed to maintain a similar standard of living in retirement.
GIBRALTAR SOLUTION
STM provide pension services for both residents and non-residents of Gibraltar through STM Fidecs Pension Trustees Limited.
Following an HMRC review the Gibraltar legislation was amended in June 2012 and is now fully compatible with HMRC rules. Up to 30% pension commencement lump sum can be taken from age 55, subject to being non UK resident for a minimum of five full tax years. Income is taxed at a flat rate tax of 2.5% and declared as income in your country of residence.
MALTA SOLUTION
STM Malta Pension Services Limited provide pension services for both resident and internationally mobile individuals allowing for efficient and flexible use of pensions planning and potential release of funds.
Malta is a full member of the EU, and with over 70 Double Taxation Agreements (DTAs) in place Malta is more often than not the preferred jurisdiction where a DTA exists giving taxing rights to the client country of residence. As a financial services jurisdiction, Malta has a sound financial services framework, good corporate governance and solid regulation.
