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Pension portability checklist

The questions follow the pension situation you describe. Nothing here recommends a transfer.

Checklist

WiT Access tools are for illustration, planning and record-keeping only. They do not constitute financial, tax, legal, immigration, insurance, mortgage or investment advice. Rules, eligibility and provider terms vary by jurisdiction and circumstances.

Use this output to prepare questions for a qualified professional.

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Contributions

  • Are contributions stopping, and what record is needed?

Provider servicing

  • Will the provider correspond with someone living in the destination country?
  • Which address and tax residence does the provider currently hold?

Access

  • At what age, and on what conditions, can benefits be asked about?

Withdrawals

  • What withdrawal options exist, and which country might tax them?

Tax

  • Which country is being asked about tax on contributions, growth and benefits?

Currency

  • Which currency are contributions and benefits in, and which currency is spent?

Beneficiaries

  • Is a beneficiary nomination something to locate?

Transfer rights

  • Is a transfer even being considered?

Guarantees

  • Are any guaranteed benefits part of this pension?

Protections

  • Which protection regime applies, and does it change if residence changes?

How to use this

  • Describe the pension type and the countries involved.
  • Tick whether contributions, benefits or a transfer are in view.
  • Take the list to the scheme and a qualified adviser.

What this tool does

  • Lists questions on contributions, servicing, access, withdrawals, tax, currency, beneficiaries, transfer rights, guarantees and protections.

What this tool does not do

  • Recommend a transfer.
  • Value a pension or compare schemes.

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