Pension Services

As we live longer and aspire to retire earlier, planning for retirement is becoming ever more important.

Enjoying the same standard of living in retirement as in working life generally requires an investment of at least 17.5% of your annual income into a pension plan throughout your career.

The loss of many defined benefit schemes (often called final salary schemes) and the notion that state pensions will cease to exist in future adds to the argument for individuals and employers to reassess their retirement planning needs.

The solution

STM Fidecs provides pension services for both residents and non-residents of Gibraltar through STM Fidecs Pension Trustees Limited and STM Fidecs Life, Health and Pensions Ltd.

Our staff have many years’ experience of acting as a trustee and of administering pension schemes, including Gibraltar and UK tax-approved schemes.

Our pension services are backed up by a sophisticated computer system and, as a scheme sponsors or members, you can access your scheme details through our secure website.

For the growing number of individuals now working abroad and the many more becoming full time expatriates in tax free, or low tax, environments, careful planning is needed to maintain a similar standard of living in retirement.

For more information on the services we offer, please call David Erhardt or Jane Caulfield on (+350) 200 45877 or email us at: pensions@stmfidecs.gi.