A QROPS pension scheme is an excellent option for people with a UK private pension who are living, or planning to live, overseas.

As well as offering great flexibility, a QROPS provides significant tax and investment advantages, allowing UK private pension holders to get more out their pension.

Start enjoying the benefits of a QROPS right now!

The benefits of a QROPS from STM Group

	Greater control - more say over where your pension fund is invested
	Tax efficient - potential for substantial tax reductions when you access your pension, or on death
	Inheritance benefits - possibility of passing on your pension fund to your beneficiaries, free from UK Inheritance Tax
	Simple - numerous pensions can be consolidated into one QROPS
	Easy to manage - pension trustees and your scheme provider can be geographically closer to where you live
	No annuity - you do not have to buy an annuity within a QROPS

About STM Group

STM Group is listed on the London Stick Exchange and employs over 150 people in offices in Gibraltar, Jersey, Malta, Switzerland and Spain. With a range of HMRC-approved QROPS available, STM offers a unique and compelling choice for any client thinking about retiring abroad.

Why STM?

Our QROPS team has over 40 years' experience in managing personal pension schemes and providing pension solutions for expatriates and High Net Worth clients. As a leading QROPS provider, we assure you of our total commitment to service from our team of experts.

Contact our QROPS team

STM Group Plc
Montagu Pavilion
8-10 Queensway,
Gibraltar
(350) 200 51356

pensions@stmfidecs.gi