Expat Pensions

  • A) Expat Pension Specialization

    We are specialized in expat pensions.

    We welcome the related extra challenges and contact with different persons, institutions and cultures.

    We provide pension consultancy in Holland for expats of all nationalities and locations. We have 20 years of experience on 5 continents. If so desired we guide the local team of tax, law and actuarial experts towards the required results.

  • B) All Inclusive Approach

    We take pride in our approach. Our goal is not just to give advice. We function as projectmanager in order to control all aspects of the process in time and to prevent that aspects might not be optimized. 
    Our clients tend to appreciate this all inclusive approach as it provides ease. 

  • C) Expat Fairs

    Feel free to visit us at the Expat Fairs that are annually organized in Holland.

  • D) Special Website

    Feel free to visit our platform which we have especially created for expat pensions: www.expatpensionholland.nl

  • E) News March 2019

    USA Pensions: MBTA Pension Fund Faces Hard Times After 2018 Losses

    After the MBTA pension fund posted losses in 2018, officials warned recently that the burden of covering retirement for thousands of T employees remains “a really crucial issue.”

    The fund has been the subject of scrutiny for years as the MBTA grapples with budget concerns. New figures, discussed at the authority’s board meeting, did not alleviate the pressure: the fund paid out $100 million more to retirees last year than it collected in contributions from current employees, and it lost $50 million in the financial markets. After a return of more than 15 percent in 2017, the fund fell 2.9 percent in 2018.

    Pension payouts are contributing to budget struggles at the MBTA, which after years of deficits has prioritized keeping expenses growing in line with revenues.


    South Africa has dropped off the list of financial jurisdictions offering QROPS expat offshore pensions. The latest HM Revenue & Customs QROPS List published on October 15, 2018, confirms the removal of the last QROPS based in South Africa. The ABSA Group Pension Fund was the final South African QROPS.

    Neither ABSA or HMRC have commented about the removal.

    Generally, QROPS are delisted for three main reasons:

    1) HMRC is probing the administrative or tax status of the scheme.

    2) The last member has drawn down on their fund or transferred out of the fund.

    3) The QROPS provider closes.

    South Africa has been ever-present on the HMRC list since QROPS were introduced in April 2006. Between March 2010 and June 2015, the number of QROPS peaked at between 28 and 31 pensions.

    After HMRC introduced tax and rules changes in June 2015, the number slumped to seven QROPS, rising to a recent peak of 12 pensions at the start of 2016.


    The average pension pot for UK expat overseas is around £210,000, but currency fluctuations may cause losses of 20 per cent.

    A recent analysis of the plunging pound’s effect on British pensions paid in sterling on behalf of UK expats living overseas gives bad news for the estimated 247,000 Brit retirees living abroad. Put bluntly, pensions held in sterling but drawn in foreign currency via ATMs or bank to bank transfers are permanently open to currency exchange fluctuation risks. In the past, changes to the pound’s valuation against other currencies have lost pensioners at least 20 per cent during periods of volatility.

    One scary example of how not monitoring sterling against the chosen country of retirement’s currency shows just how much spending power can be lost in just two years. At the beginning of 2007, one pound was worth €1.48, but by January 2009 it had fallen to just €1.06. On a £2,000 a month pension, a retiree living in an EU member state would have initially received €2,960 a month, dropping to €2,120 two years later.

    Given that the exceptional nature of the fall was linked to the 2008 financial crisis, it’s an illustration of the worst scenario but it’s also a warning that currency stability in the future is a long way from being guaranteed.