We give independent and impartial advice to assist you to make an informed decision of the best options for you. Who can benefit from offshore pensions investment? Individuals in many situations can gain advantage from offshore pension investments, including expatriate executives, professionals or entertainers and residents in high-tax countries intending to become non-resident on or before retirement

For many UK ex patriots your pension fund will be the second biggest "investment" after your home. To make decisions on the future of this without all the facts is financial suicide.

No. Once you have made the transfer to a NZ pension you cannot transfer back to your UK pension plan as if nothing had happened, you have given up all your rights to your UK pension.

Yes, but this is dependent on restrictions imposed by your UK scheme. It may be possible to take up to 40% in cash, but sometimes the transferring scheme can insist that the whole amount is 'locked in'. This is an area often abused by some New Zealand advisers and getting it wrong could result in penalties being applied. Our recommendation is that your UK pension money was saved for your long term retirement savings so keep to this plan and put it aside for your retirement savings.

Whether or not a person can transfer their pension to New Zealand, will depend on the country where the pension entitlement comes from. This facility is available from limited countries, and includes the United Kingdom and Australia.

The Federal Government has identified a significant deficit in the NITEL pension fund. This deficit has arisen because over a long period of time, NITEL set aside inadequate funds for the fund. Government is committed to providing a solution to the deficit before NITEL is privatized. This will therefore not be an obligation of the core investor.

A Pension Fund Administrator is an entity licensed by the National Pension Commission (Commission) and charged with the responsibility of managing and investing the pension funds. Each employee is free to choose a PFA.

The remainder of the value of your pension can either be re-invested to produce an income, or it can be used to purchase an annuity which provides you with an income (which is taxable).

You can access your account using the same PIN via the world wide web at www.sunlife.com. This site allows you to transfer funds directly on-line. Once you are enrolled you will be mailed quarterly statements describing activity on your fund directly from Sun Life. You can also access your account through the toll-free, easy-to-use touch-tone SunLine telephone system available 24 hours a day, 7 days a week.

Personnel responsible for processing Transfer of Funds are encouraged to attend the training sessions offered through Staff development (http://www.chr.ucla.edu). Instructions for completing TOFs can also be found in the University Accounting Class Training Manual: (http://www.accounting.ucla.edu/training/). Should you have specific questions about the preparation of a TOF, contact the appropriate fund manager or e-mail: genacct@finance.ucla.edu for further assistance.

If you want the shipment to arrive within 6 days from the time you order, you need to send the bank transfer by Wednesday of that week. If the bank transfer has not arrive by Friday to our account, the shipment will be postponed until the following week.

Process online Transfers using DEBIT INCENTIVE or E-MONEY facility to other E-Money accounts by a simple-click! Just login to My Office(secure page):

Complicated question! It depends on where you live, the type of plan you have, where you plan to go, when, etc etc. You need specialised professional advice. There are high-tax countries which permit part or all of a tax-privileged pension fund, or the income flow from it, to be transferred abroad (offshore) in a way which preserves some tax advantages, but it is not easy. In many cases the answer will be yes, but you will pay at least the basic rate of income tax on the transfer.

If you have pension benefits in the scheme of a former employer or in a personal/stakeholder pension plan (but not AVC plans) you may be able to transfer them into the Civil Service Pension Scheme (CSPS). The transfer value will buy a credit of reckonable service in the Civil Service Pension Scheme.

You can transfer the pension yourself, but the process is complex, and can be very frustrating and confusing. Do you have the necessary understanding of your actions and how they might impact on your future financial security? If you get it wrong it could cost you thousands of pounds. Our UK Pension Transfer service will save you time, money and stress.

Pension funds invested in separate accounts, mutual funds and/or individual stocks should calculate the market value of those funds, at least annually to determine the percentage held vs. the allowable percentage under law. If the percentage exceeds the allowable amount, the fund must reduce to the allowable percentage and document the reduction. The reduction as to which investments are sold is at the discretion of the pension board and applies only to the aggregate percentage.

Yes, international stocks are allowable in mutual funds and separate accounts, but are not authorized for individual equities which stipulate U.S. corporations only.

In most cases, a participant in the Plan who has earned a minimum of five years of vesting service will be eligible to receive a benefit. However, if a participant ended work in covered employment before January 1, 1999 they will typically need 10 years of vesting service in order to be eligible to receive a benefit.

You can contact any KB branch, which provides supplementary pension insurance, or you can conclude a draft contract on Komer?n? banka's free phone information line 800 111 055. The draft contract will be sent to your address, which you will confirm by your signature and send it to the Komer?n? banka Pension Fund's address.

Statements informing clients of the status of their individual accounts are sent once a year, following the General Meeting at which the decision on profit distribution is made and thus the annual appreciation on savings. (As a rule, the General Meeting is held in May, while statements are sent out during June and July).