Malta QROPS
Trust

Malta is a full EU Member State with a sound financial services framework and strong corporate governance. Pension schemes are individually regulated by the Malta Financial Services Authority. Malta adopted UK pension rules in 2016 and can offer flexi-access retirement benefits from age 55. Malta applies a withholding tax of 35% to pension income; however, in many situations this does not apply due to the 70+ DTAs which exist with many jurisdictions being afforded total or shared taxing rights. The Scheme is established under a Trust Deed.

Malta QROPS
Contract

For residents of countries which do not recognise trust law, we offer a contract-based QROPS. This is subject to the same governance and regulatory oversight as the trust based scheme but has been established under a Deed.

Trusts vs Contract-based QROPS

Malta QROPS
USA*

We offer a QROPS which is designed and administered to qualify as a pension fund under the USA/ Malta Double Taxation Agreement (DTA) treaty and which therefore may be suitable for USA residents, subject to advice from, and only available through, suitably regulated advisers.

Gibraltar
QROPS

From 1st January 2021, Gibraltar is no longer a member of the EU by virtue of its connection to the UK. Pension regulations introduced in March 2017 require all personal pension scheme operators to be regulated by the Gibraltar Financial Services Commission. Gibraltar offers retirement benefits on a capped drawdown basis from age 55, which is taxed at a benign rate of 2.5% and open architecture investment options. The Scheme is established under a discretionary Trust Deed.

Gibraltar QROPS
Australia

We also offer a trust-based QROPS which has received a ruling from the Australian Tax Office that it meets the criteria to be treated as a “Foreign Superannuation Fund” for Australian tax purposes. It is subject to the same regulatory standards and oversight as our other Gibraltar QROPS and offers the same investment and benefit options.

If you are a professional adviser and would like more information on our Australian retirement solutions please contact one of our regional specialists.

* STM does not promote any of its own products in the USA and may only provide information and product materials to appropriately regulated professionals. STM does not provide investment, pension transfer, tax or any other kind of advice. Before determining whether to transfer UK (or any other) pension funds, individuals should consult with their own professional advisers.
Our QROPS prices*
Effective from 1st January 2021
Discover the benefits of a QROPS from STM
Simply fill in the form or contact one of our regional specialists

Anthony Lowes

Business Development Manager
Europe & Israel
E: anthony.lowes@stmgroupplc.com
T: +34 711 034 156

Stuart Denness

Managing Director
Australia
E: stuart.denness@stmgroupplc.com
T: +61 (0)450573371



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    STM Fidecs Pension
    Trustees Limited

    PO BOX 575
    Montagu Pavilion
    8-10 Queensway
    Gibraltar, GX11 1AA

    T (+350) 200 45877
    T (+350) 200 42686
    E enquiries@stmfidecs.gi

    Regulated by the Gibraltar Financial Services Commission – permission number: 5978. Gibraltar Company registration number: 85583.

    STM Fidecs Life Health
    and Pensions Limited

    PO BOX 575
    Montagu Pavilion
    8-10 Queensway
    Gibraltar, GX11 1AA

    T (+350) 200 45877
    T (+350) 200 42686
    E enquiries@stmfidecs.gi

    Regulated by the Gibraltar Financial Services Commission – permission number: 9034. Gibraltar Company registration number: 97110.

    STM Malta Pension
    Services Limited

    San Gwakkin Building
    Level 1
    Triq is-Salib tal-Imriehel
    Zone 4 – Central Business District
    Birkirkara, CBD4020

    T (+356) 213 33210
    E info@stmmalta.com

    STM Malta Pension Services Limited is registered as a Retirement Scheme Administrator with the Malta Financial Services Authority. It is also authorised to act as trustee or co-trustee to provide fiduciary services in terms of the Trust and Trustees Act. Company Registration number: C51028

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