Join thousands of international professionals and business owners and get weekly insights on health, wealth and happiness.
Our objective is to get you there, no matter where you are already.
It’s true that the sooner you start the better…
And it’s also true that you haven’t left it too late…
No matter how old you are, when and where you want to retire, or how long you’ve already been retired, our planning approach will:
There is almost a limitless list of tax-related questions for expats when it comes to pensions - for example: -
We have written country specific retirement tax guides to help you. And if you can’t find the information you need, we have the professional expertise to answer your specific questions.
“When I contacted AES International I'd built up a decent pension and wanted to know how to tax-efficiently access it. They opened my eyes to some excellent options. I highly recommend their advice - it's absolutely worth paying for such expertise.”
“I thought I was saving effectively through my company's pension option - putting in a fair whack each month. But when I met an AES adviser to talk over my other investments, they took one look at my non-existent retirement plan and sorted everything out for me. Absolute peace of mind. The whole process was effortless for me - which is good as I have limited time to worry about finances.”
“My whole objective when I moved abroad was to save hard for the future and get ahead - I was one of the lucky ones who contacted AES before I got hounded by a cold-calling IFA! The best advice I got was to get my retirement plan established. I'm making significant financial progress.”
There are different financial approaches to saving for
The starting point has to be determining your required and desired retirement income.
Our chartered financial planners have specialist retirement expertise to enable them to marry your investment objectives to your retirement income ambitions.
No matter how old you are, how soon you want to retire, whether you've started saving yet or not, there is work that can and should be done to get you on track.
We've written a series of articles you may find inspiring: -
Don’t think you can invest in your 40s? Think again!
How to invest in your 50s: 5 steps for financial success
In your 60s and planning for retirement? Is it too late to invest?
And the only thing left to say is, whilst it's never too late, you'll never be younger than you are today, so today is the right day to begin planning, start saving and to get best advice.
This is a common, yet difficult to answer question.
A great deal will depend on what you hope to achieve in terms of lifestyle in retirement. Additional considerations include where you want to retire, how long you've got before you want to access your pension savings, and how much you can afford to invest today, without impacting on your current lifestyle!
It's important to discuss these factors and more with a qualified retirement planning specialist.
There may be a very good reason to consolidate pensions, particularly if fees and charges are running away with a pension you've perhaps left behind onshore in your old country of residence.
There may be an argument for you transferring your pension/s abroad as well.
Best advice is to seek best advice!
What is right for you and your pensions and personal retirement goals may not be right for the next person.
Seek advice, and ensure your pensions are working hard for your retirement, and not being impacted by high fees.