Starting a

new life in the

Algarve?

take your pension on the journey too...

After years of careful planning for an income in

retirement many Britons and internationally mobile

employees seek to enjoy their retirement in the Algarve

and justifiably reap the rewards of years of hard work.

Whether they plan to retire immediately or in the coming

years an income in retirement remains a high priority.

If you currently reside or intend to reside in the Algarve you

will be pleased to know that as from the 6th of April 2006

Her Majesty’s Revenue and Customs (“HMRC”) allows

expatriates to transfer their UK pensions into a Qualified

Recognised Overseas Pension Scheme (“QROPS”) a

flexible tax efficient vehicle for their pension benefits.

These are some of the advantages...

• Tax free growth for non-Guernsey residents.

• Freedom of investment choice.

• Ability to establish your scheme in Euros to avoid

currency fluctuations.

• Loan facility available of up to 25% of pension

assets on commercial terms.

• No need to purchase an annuity.

• On death the remaining scheme assets can be

bequeathed to the surviving spouse.

• Lower income tax on your pensions in Portugal.

• UK Inheritance Tax (“IHT”) free for spouse and

heirs provided you remain non-UK domiciled.

The Complete Pension Scheme...

Fiduciary Wealth Management Limited the specialist

private wealth division of the Fiduciary Group, which has

been operating in Gibraltar since 1982 and is affiliated to

Gibraltar’s oldest legal practice, ISOLAS 1982, offers a

one-stop complete pension solution.

The Rainbow Overseas Retirement Plan (“TRORP”) plays a

key part in ensuring expatriates aspirations and goals

for retirement travel successfully with them to the Algarve

in order to maximise their lifestyle in retirement. It is the

retirement plan of choice for the investor who is looking for

a safe and tax efficient home for their pension.

Contact Us

To obtain our QROPS brochure and Key Features

document and for a free initial consultation to discover

how QROPS could benefit you please contact us on:

Tel: +350 200 50982

email: wealth@fiduciarygroup.com

www.qropsiberia.com

Fiduciary Wealth Management Limited, Portland House, Glacis Road, PO Box 475, GibraltarLONDON • GIBRALTAR • ZURICH

Regulated by the Gibraltar Financial Services Commission

WE STRIVE FOR PERFECTION AND ONLY DELIVER THE BEST!

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View our portfolio at www.grasshoppergreens.com

Membership No: 2005

Specialists in the design and construction of superior quality synthetic grass, putting greens, synthetic lawns and other grass applications.

Using only the finest quality, comprehensive range of synthetic grass available on the Algarve, our highly skilled craftsmen can construct any size project you desire.

N 1 ON THE ALGARVE FOR SYNTHETIC GRASS SOLUTIONSo

Contact Grasshopper Greens T: 289 092 722 / M: 91 766 1472info@grasshoppergreens.com

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