Pension Planning for EU Residents
Helping Irish and UK Pension Holders across the EU to optimise their savings.
Are you an Irish or UK Pension Holder Living in the EU?
Changes in residency in the EU can have an impact on how your pension pot is taxed at retirement.
At GSB Capital Ireland, our dedicated pension specialists help Irish and UK pension holders with cross-border pension transfers, so that they remain compliant with tax rules in the European Union.
Our team is available to review, consolidate and manage your retirement savings so that they align with your long-term plans. With clear guidance on retirement planning in the EU, and international pension structures, we help ensure your savings will continue to work for you, wherever you live.
Above all, our financial advisors know when, or if, to transfer a pension to another provider, whether that’s for tax planning, or structural reasons. The experienced team at GSB Capital Ireland has the expertise and hold membership with the Chartered Institute for Securities & Investment.
Why GSB Capital Ireland?
Advice You Can Trust
GSB Capital Ireland is regulated by the Central Bank of Ireland with permissions to advise in the wider European Union. Our advice is delivered under professional consumer standards, giving you peace of mind when it comes to pension decisions.
Tax Efficiency
Relocating to another country in the EU can impact how your Irish or UK pension is taxed, or simply make your affairs and filings complicated. Our advisors help to ensure that all your pension arrangements are in alignment with your tax-residency, helping you minimise unnecessary tax exposure and protect your retirement savings.
Personalised Guidance
Cross-border pensions can be complex. At GSB Capital Ireland, we take the time to understand your situation and your goals, to provide you with tailored advice that works for you.
Simple Strategies
Where many providers of financial services thrive on complexity, GSB Capital Ireland believe in simplicity – using passive index strategies to match long term market returns – most investors do not need to take big risks to live a comfortable life.
Irish Pension Transfers to the EU
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Guide to Transferring Overseas Pensions to Ireland
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Trusted Expertise
Meet the Experts Behind Your Financial Future
Senior Financial Advisor
Sam is a Qualified Financial Advisor with an MSc in Finance and membership in the Institute of Bankers. He uses retail banking and risk expertise to create strategies aligned with GSB’s values and evolving market trends.
Senior Financial Advisor
Shaunna is a Certified Financial Adviser in Ireland and an LIA member. She creates tailored strategies for clients worldwide, embracing innovation and staying current with trends, reflecting her commitment to clients.
Senior Financial Advisor
Ben is a Financial Accountant and fully qualified International Financial Planner. With experience in Banking and Wealth Management, he helps clients navigate all areas of financial planning.
GSB Capital’s Pension Advisory Process
When it comes to your pension, it’s important that you understand all your existing schemes and benefits. At GSB Capital, we begin all new relationships with an initial consultation where our retirement planning specialists will determine your financial needs and goals to develop a robust, personalised plan. Not only that, but our financial advisors will analyse your existing pension fund, contribution and retirement savings.
Next, GSB Capital will provide impartial advice on what’s best for your long-term plan. This includes a tailored, comprehensive retirement plan that accounts for your unique needs and circumstances and considers risk management strategies.
Once you have decided on your favoured pension plan, GSB Capital will support its execution. You can then resume your regular contributions in accordance with your pension strategy. Our financial advisors will conduct routine monitoring and evaluation of your pension plan to ensure the strategy is yielding the desired results.
Pension Transfer FAQs
When you move location, your tax position changes, closing some doors and opening others. Old arrangements you have from a past residence can no longer make sense in your new location or be terribly inefficient from a tax perspective. Having a full review is a sensible approach. Whatever the reason, it’s best to take the guidance of a trusted advisor.
Yes. If you have accumulated pensions from several roles and want to consolidate them in one place, you can. After all, you could be paying fees and charges on each pension. Transferring pensions into one pot will cut these costs and give you greater return in the long run. During pension consolidation, you will need to be mindful of exit fees as some providers charge these. You will also need to be aware of and decide what scheme you want to join, such as a Defined Contribution Scheme or a Defined Benefit Scheme.
There are several risks to consider when transferring a Defined Benefit pension. Firstly, investment returns of the Defined Contribution Scheme might suffer, hindering your retirement income. Secondly, a Defined Benefit pension provides a guaranteed income, whereas a Defined Contribution Scheme will offer a lump sum that may have been affected by market changes. Lastly, a Defined Contribution Scheme is intended to be used for your retirement, so it doesn’t allow for early withdrawals. With a Defined Benefit pension, some schemes allow for early retirement, although your income might take a hit. The size of your defined benefit pension and where it fits in to your overall assets is also a huge factor. To some people it’s everything they own, to others it’s a small asset and the guarantees it offers aren’t needed. Enforced Income can also be an inconvenience and create tax issues for some people.
What Truly Sets Us Apart
We’re client-centric
We pride ourselves on creating deep connections with our clients by investing as much time as necessary to get to know you and understand your needs. At GSB Ireland, we believe that the only way to help you achieve your financial goals is by fostering a long-term relationship.
We’re conscientious
We take a holistic approach to investment. We support you every step of the way by planning and executing purpose-led long-term investment strategies ⏤ helping you navigate times of uncertainty and challenging market conditions to achieve lasting financial success.
We’re committed
We’re passionate about what we do and deliver market-leading, sustainable returns. We’re disrupting financial services by combining cost-effective, passive strategy with an unhindered commitment to environmental, social and governance (ESG) principles. We invest well by doing good.
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