What type of UK Pension can I transfer to Australia?

You may transfer the following types of UK pension arrangements to an Australian QROPS:

An Occupational Pension Scheme – A pension offered by your employer, typically a Group Personal Pension.
A Defined Benefit Scheme – These are schemes offered by your employer which offer a guaranteed benefit in retirement. Also known as Final Salary Schemes.
A Defined Contribution Scheme – These are Personal or Group Personal Pension Plans. A Self Invested Personal Pension (SIPP) is a Defined Contribution Scheme.
A Small Self Administered Scheme (SSAS) – This is also a Defined Contribution Scheme, however, the set up of them is a bit more complex.

The following types of UK Pensions are not permitted to transfer:

UK State Pension
Unfunded Civil Service Pensions which include NHS, Teachers, Fire Fighters, Police and Armed Forces.

Interests in the Australian Expatriate Superannuation Fund are issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL Licence 235153 as Trustee of Australian Expatriate Superannuation Fund ABN 34 300 938 877. Before deciding to acquire or continue to hold this product you should consider the Product Disclosure Statement. Before making decisions you should consider how appropriate they are given your own objectives, financial situation and needs because this website has been prepared without taking these into account.

The fund is managed by Diversa Trustees Limited. Diversa is an approved Trustee regulated by the Australian Prudential Regulation Authority (APRA) – RSE License L0000635 and AFSL Licence 235153. Tidwell can be found on the HMRC ROPS list. The Australian Expatriate Superannuation fund is a division in the Tidswell Master Superannuation Plan (TMSP), Registration No. R1004953, which was established in 1988 and is a public offer Superannuation fund. The Tidswell Master Superannuation Plan can be found on the HMRC ROPS list.

IVCM is NOT authorised to provide you with personal financial advice. We can only provide you with general advice regarding our product and the options available to you. The promoter of the Australian Expatriate Superannuation Fund is IVCM [Aust] Pty Ltd [Promoter] ABN 16 608 923 477, AFSL 491530. If you require personal financial advice, you must speak to a suitably qualified financial adviser.