{"id":90163,"date":"2024-08-26T16:13:53","date_gmt":"2024-08-26T16:13:53","guid":{"rendered":"https:\/\/adamfayed.com\/?p=90163"},"modified":"2024-08-26T16:13:55","modified_gmt":"2024-08-26T16:13:55","slug":"what-is-the-difference-between-qrops-and-qnups","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/retirement\/pension\/what-is-the-difference-between-qrops-and-qnups\/","title":{"rendered":"\u00bfCu\u00e1l es la diferencia entre QROPS y QNUPS?"},"content":{"rendered":"<p>This post will mainly discuss the difference between QROPS and QNUPS, as well as what they cover.<\/p>\n\n\n\n<p>Qualifying Recognised Overseas Pension Schemes and Qualifying Non-UK Pension Schemes are important for expats thinking about retiring overseas. This is especially true for those who have accrued <a href=\"https:\/\/adamfayed.com\/es\/financial-planning\/personal-financial-planning\/pensions\/\">pensiones<\/a> in the UK.<\/p>\n\n\n\n<p>Si desea invertir como expatriado o particular con un elevado patrimonio neto, que es en lo que estoy especializado, puede enviarme un correo electr\u00f3nico (advice@adamfayed.com) o WhatsApp (+44-7393-450-837).<\/p>\n\n\n\n<p>Tambi\u00e9n si busca alternativas o una segunda opini\u00f3n.<\/p>\n\n\n\n<p>Algunos de los hechos pueden cambiar desde el momento de la redacci\u00f3n, y nada de lo aqu\u00ed escrito es un consejo formal.<\/p>\n\n\n\n<p>Si desea orientaci\u00f3n actualizada, p\u00f3ngase en contacto conmigo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is QROPS pension?<\/h2>\n\n\n\n<p>It is a non-UK pension scheme that satisfies certain criteria in the UK and is approved by HMRC, enabling it to receive transfers from pension plans that are registered in the country.<\/p>\n\n\n\n<p>Expats who have accrued a UK pension but want to retire overseas frequently use it.<\/p>\n\n\n\n<p>Individuals can take out up to 25% of their whole pension fund through QROPS without having to pay income tax in the UK.<\/p>\n\n\n\n<p>A QROPS might also reduce currency risk, protecting your UK pension.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is a QNUPS pension?<\/h2>\n\n\n\n<p>It is also a <a href=\"https:\/\/www.gov.uk\/hmrc-internal-manuals\/inheritance-tax-manual\/ihtm17025\" target=\"_blank\" rel=\"noopener\">formulario<\/a> of non-UK pension plan that is established outside of the country but complies with HMRC&#8217;s regulations.<\/p>\n\n\n\n<p>Se trata de:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>being acknowledged for tax purposes in the country in which it is founded<\/li>\n\n\n\n<li>being regulated there<\/li>\n\n\n\n<li>guaranteeing that retirement income is generated from no less than 70% of the funds<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">QROPS vs QNUPS<\/h3>\n\n\n\n<figure class=\"wp-block-image alignleft size-medium\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2024\/08\/QROPS-vs-QNUPS-300x300.webp\" alt=\"difference between QROPS and QNUPS\" class=\"wp-image-90165\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2024\/08\/QROPS-vs-QNUPS-300x300.webp 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2024\/08\/QROPS-vs-QNUPS-512x512.webp 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2024\/08\/QROPS-vs-QNUPS-150x150.webp 150w, https:\/\/adamfayed.com\/wp-content\/uploads\/2024\/08\/QROPS-vs-QNUPS-768x768.webp 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2024\/08\/QROPS-vs-QNUPS.webp 825w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p><strong>Requisitos de informaci\u00f3n<\/strong><\/p>\n\n\n\n<p>In contrast to QROPS, QNUPS providers are not required to submit reports to HMRC. <\/p>\n\n\n\n<p>Thus, although QNUPS are subject to HMRC&#8217;s requirements in order to be eligible for specific tax exemptions, they are not subject to continuous reporting requirements as QROPS are.<\/p>\n\n\n\n<p><strong>Inversiones<\/strong><\/p>\n\n\n\n<p>In general, QROPS provide fewer opportunities for investment than QNUPS, with a primary concentration on traditional pension assets like equities, bonds, shares, and regulated investment vehicles. Collectibles and residential real estate are examples of non-occupational assets that cannot be included.<\/p>\n\n\n\n<p><strong>Beneficios fiscales<\/strong><\/p>\n\n\n\n<p>Si eres <a href=\"https:\/\/adamfayed.com\/es\/living-abroad\/\">vivir en el extranjero<\/a>, you can move your UK pension to a QROPS; otherwise, QNUPS are better suited for people searching for tax-friendly retirement savings if they can&#8217;t transfer from UK pensions.<\/p>\n\n\n\n<p>High-net-worth individuals frequently employ QNUPS because they can minimize inheritance tax.<\/p>\n\n\n\n<p>You can choose beneficiaries who will receive any residual capital or assets kept within the QNUPS.<\/p>\n\n\n\n<p><strong>Contribution Limits<\/strong><\/p>\n\n\n\n<p>In contrast to UK pension systems, which offer both lifetime and yearly allowances, QNUPS does not have a contribution cap.<\/p>\n\n\n\n<p>Because of this, you can save a significant amount of money for retirement without being restricted by UK pension laws.<\/p>\n\n\n\n<p><strong>Reglamento<\/strong><\/p>\n\n\n\n<p>The regulations pertaining to QNUPS might be intricate, necessitating cautious handling and even expert counsel to guarantee adherence. Significant tax fines may result from poor management. <\/p>\n\n\n\n<p>Meanwhile, QROPS, although subject to regulation as well, typically have simpler reporting requirements, which may facilitate their management for certain individuals.<\/p>\n\n\n\n<p>Employer contributions to a QNUPS are not permitted if you live and work in the UK. This restriction may make it more difficult for people who still have connections to the UK labor market to use a QNUPS as their main retirement vehicle.<\/p>\n\n\n\n<p>Future modifications to UK or foreign tax regulations may have an effect on QNUPS&#8217;&nbsp;benefits and add a layer of ambiguity that may not be as noticeable with QROPS, which have pension transfer procedures in place.<\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>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 Pension Schemes are important for expats thinking about retiring overseas. This is especially true for those who have accrued pensions in the UK. If you are looking to invest as [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":90164,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11614],"tags":[],"class_list":["post-90163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pension"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/90163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=90163"}],"version-history":[{"count":1,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/90163\/revisions"}],"predecessor-version":[{"id":90166,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/90163\/revisions\/90166"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/90164"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=90163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=90163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=90163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}