Pension Services

Pension Scheme Summary

We offer three types of scheme depending on your individual circumstances; you may require one or all three to provide a total solution.

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Employer-Funded Retirement Benefit Scheme (EFRBS)

The STM Fidecs' EFRBS or Employer Funded Retirement Benefits Scheme (often referred to as EFRB, EFURB or EFURBS) team provide expertise to companies and individuals looking for the most tax-efficient way to maximise the value of their private pensions, or those of their employees.

What is an EFRBS?

As the name suggests, The STM Employer-Funded Retirement Benefits Scheme (STM EFRBS) is an employer-sponsored, flexible retirement benefit arrangement which is permitted under UK tax law.

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QROPS (Qualifying Recognised Overseas Pension Scheme)

Gibraltar pension schemes can obtain Qualifying Recognised Overseas Pension Scheme (QROPS) status.

What is a QROPS?

A Qualifying Recognised Overseas Pension Scheme, or QROPS, is an overseas pension scheme into which your UK pension rights can be transferred.

Since 2006, people with UK pensions who are, or will become, non-resident in the UK for tax purposes can move their pension benefits out of the UK to a QROPS.

A QROPS can provide many tax and inheritance benefits including:

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Global Pension Plan

Flexible pension options for those living or working abroad.

We offer a pension solution for people who work or live, in different countries.

The pension solution we provide is:

  • flexible
  • secure
  • tax neutral
  • portable
  • international
  • convenient.

Flexible

Our pension has the flexibility to offer you:

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Gibraltar Approved Schemes

The Gibraltar Government is encouraging private sector employers to provide pension benefits for their employees and will shortly, together with the unions, be enforcing this more strongly.

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Gibraltar Approved Schemes FAQ

What is a Gibraltar Approved Pension Scheme?
It is a scheme which has been approved by the Gibraltar Income Tax Office.

Why does it need to be approved?
To take advantage of the deductibility for tax purposes of employers' and employees' contributions. It also ensures that employers' contributions are not treated as additional remuneration for the employee and taxed as such.

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