Pension
Expat Pension Advice: Avoid Expat Retirement Pitfalls with Proper Guidance
One of the best pieces of expat pension advice is to never move or consolidate your pension without first checking the tax implications in both
One of the best pieces of expat pension advice is to never move or consolidate your pension without first checking the tax implications in both
The HMRC pension tax changes 2025 are expected to impact how UK workers contribute to and withdraw from their pensions. With proposals potentially affecting salary
UK pension when living abroad is a critical consideration for expatriates who want to secure their retirement income while residing outside the UK. Whether you’re
Choosing the best expat pension plans is key to achieving financial stability throughout retirement abroad. Unlike domestic pensions, expat pension solutions need to account for
Pension transfers can offer more control, better investment choices, and tax advantages—especially for expats and high-net-worth individuals managing retirement across borders. However, moving your pension
Pensions for Expats Explained emphasises that expats must understand what the best pensions for expats and the potential challenges are, and make sure they are well prepared for.
This post will talk about if UK pensions are frozen for expats, and if so, discuss what it means, what the implications are, as well
QNUPS are especially attractive to foreigners and UK citizens who want to handle their retirement assets in a way that minimizes their tax liability. With
This post will mainly discuss the difference between QROPS and QNUPS, as well as what they cover. Qualifying Recognised Overseas Pension Schemes and Qualifying Non-UK
This post will detail what is Qualifying Recognised Overseas Pensions Scheme. A QROPS is one that satisfies particular standards established by the UK’s HM Revenue
Let’s talk about QNUPS UK tax and how it works. If you’re wondering what is a QNUPS pension, it actually stands for Qualifying Non-UK Pension
Can I pay into a UK personal pension if I live abroad
Deferring UK State Pension: 10 Key Deciding Factors
If you have questions about how your UK pension will be impacted if you recently left the UK as a foreign national or expat, then
Pensions that you create on your own are called personal pensions. They are also sometimes referred to as “money purchase” or “defined contribution” pensions. Typically,
With the new UK State Pension, many are wondering how much a pensioner can get. The government consistently pays out the State Pension. From State
This website is maintained for personal branding purposes and is intended solely to share the personal views, experiences, as well as personal and professional journey of Adam Fayed.
Personal Capacity
All views, opinions, statements, insights, or declarations expressed on this website are made by Adam Fayed in a strictly personal capacity. They do not represent, reflect, or imply any official position, opinion, or endorsement of any organization, employer, client, or institution with which Adam Fayed is or has been affiliated. Nothing on this website should be construed as being made on behalf of, or with the authorization of, any such entity.
Endorsements, Affiliations or Service Offerings
Certain pages of this website may contain general information that could assist you in determining whether you might be eligible to engage the professional services of Adam Fayed or of any entity in which Adam Fayed is employed, holds a position (including as director, officer, employee or consultant), has a shareholding or financial interest, or with which Adam Fayed is otherwise professionally affiliated. However, any such services—whether offered by Adam Fayed in a professional capacity or by any affiliated entity—will be provided entirely separately from this website and will be subject to distinct terms, conditions, and formal engagement processes. Nothing on this website constitutes an offer to provide professional services, nor should it be interpreted as forming a client relationship of any kind. Any reference to third parties, services, or products does not imply endorsement or partnership unless explicitly stated.
*Many of these assets are being managed by entities where Adam Fayed has personal shareholdings but whereby he is not providing personal advice.
I confirm that I don’t currently reside in the United States, Puerto Rico, the United Arab Emirates, Iran, Cuba or any heavily-sanctioned countries.
If you live in the UK, please confirm that you meet one of the following conditions:
1. High-net-worth
I make this statement so that I can receive promotional communications which are exempt
from the restriction on promotion of non-readily realisable securities.
The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:
I had, throughout the financial year immediately preceding the date below, an annual income
to the value of £100,000 or more. Annual income for these purposes does not include money
withdrawn from my pension savings (except where the withdrawals are used directly for
income in retirement).
I held, throughout the financial year immediately preceding the date below, net assets to the
value of £250,000 or more. Net assets for these purposes do not include the property which is my primary residence or any money raised through a loan secured on that property. Or any rights of mine under a qualifying contract or insurance within the meaning of the Financial Services and Markets Act 2000 (Regulated Activities) order 2001;
termination of my service or on my death or retirement and to which I am (or my
dependents are), or may be entitled.
2. Self certified investor
I declare that I am a self-certified sophisticated investor for the purposes of the
restriction on promotion of non-readily realisable securities. I understand that this
means:
i. I can receive promotional communications made by a person who is authorised by
the Financial Conduct Authority which relate to investment activity in non-readily
realisable securities;
ii. The investments to which the promotions will relate may expose me to a significant
risk of losing all of the property invested.
I am a self-certified sophisticated investor because at least one of the following applies:
a. I am a member of a network or syndicate of business angels and have been so for
at least the last six months prior to the date below;
b. I have made more than one investment in an unlisted company in the two years
prior to the date below;
c. I am working, or have worked in the two years prior to the date below, in a
professional capacity in the private equity sector, or in the provision of finance for
small and medium enterprises;
d. I am currently, or have been in the two years prior to the date below, a director of a company with an annual turnover of at least £1 million.
Adam Fayed is not UK based nor FCA-regulated.
Adam Fayed uses cookies to enhance your browsing experience, deliver personalized content based on your preferences, and help us better understand how our website is used. By continuing to browse adamfayed.com, you consent to our use of cookies.
Learn more in our Privacy Policy & Terms & Conditions.