STM provide pension solutions to UK clients and to those that are internationally mobile.
They provide pension transfer solutions for both EU and non-EU residents alike, while trying to make the most of over 70 double-taxation agreements Malta has in place with other countries.
STM Group has three main pensions jurisdictions:
- United Kingdom
- Malta
- Gibraltar
They claim to have 100+ highly skilled people under their employment (we would recommend reading the expert verdict section of this review).
A few facts about STM Group's retirement services, as stated on their website, are as follows:
- They have administered around 15,500 retirement plans (a combined number from their UK, Gibraltar and Malta offices).
- STM's clients come from 126 different countries.
- They claim to have 80 documents outlining their offerings to clients.
NOTE: We would recommend reading the expert verdict section of this review before making a decision.
The international retirement solutions offered by STM Group include:
- SIPPs (offered by the London and Colonial part of STM Group PLC)
- QROPS
- QNUPS (available to both UK and non-UK residents)
- Packaged QROPS products utilising their in-house life assurance global company (STM Life)
- US expat plans
- Occupational pension schemes within Gibraltar
Their international pensions services are delivered through subsidiary companies in the three locations mentioned above.
Here's a brief look at each of them and exactly what they provide:
1. Options (part of STM Group in the UK):
Options is an independent administration and trustee company providing pension services and products to the UK market.
Their offering includes SIPP, sharia SIPP, SSAS, property, workplace pensions, trustees and other group SIPPs and personal pension plans.
You can learn more in the documents section of this review.
2. STM FIDECS Group of Companies (part of STM Group in Gibraltar):
STM operates principally from Gibraltar.
Their international pension services include:
- QROPS and QNUPS
- Packaged QROPS products utilising their in-house life assurance company (STM Life)
- QNUPS – available to UK or non-UK residents
- Occupational Pension Schemes within Gibraltar
3. STM Malta Pension Services Limited (part of STM Group in Malta):
STM provide pension solutions to companies and individuals resident in Malta and to internationally-mobile individuals through STM Malta Pension Services Limited.
Their range of international pension services in Malta includes:
- QROPS and QNUPS
- Packaged QROPS products utilising their 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
NOTE: STM Group was suspended from AIM in 2017. However, they have been reinstated since. We would recommend reading the expert verdict section of this review to learn why our team of experts gave them 2.5 out of 5 stars in this independent review.
