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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.<\/p>\n\n\n\n
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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.<\/p>\n\n\n\n
Trusts vs Contract-based QROPS<\/a><\/strong><\/p>\n\n\n\n [\/vc_column_text]<\/p>\n\n\n\n [vc_empty_space height=”70px”]<\/p>\n\n\n\n [\/vc_column]<\/p>\n\n\n\n [vc_column width=”1\/4″]<\/p>\n\n\n\n [vc_row content_width=”grid”]<\/p>\n\n\n\n\n [vc_empty_space height=”25px”]<\/p>\n\n\n\n [vc_single_image image=”3203″ img_size=”full” css_animation=”right-to-left”]<\/p>\n\n\n\n [vc_empty_space height=”25px”]<\/p>\n\n\n\n [vc_column_text]<\/p>\n\n\n\n From 1st<\/sup><\/span> 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.<\/p>\n\n\n\n [\/vc_column_text]<\/p>\n\n\n\n [vc_empty_space height=”70px”]<\/p>\n\n\n\n [\/vc_column]<\/p>\n\n\n\n [vc_column width=”1\/4″]<\/p>\n\n\n\n\n [vc_empty_space height=”25px”]<\/p>\n\n\n\n [vc_single_image image=”3201″ img_size=”full” css_animation=”right-to-left”]<\/p>\n\n\n\n [vc_empty_space height=”25px”]<\/p>\n\n\n\n [vc_column_text]<\/p>\n\n\n\n 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 \u201cForeign Superannuation Fund\u201d 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.<\/p>\n\n\n\n If you are a professional adviser and would like more information on our Australian retirement solutions please contact one of our regional specialists<\/span>.<\/a><\/strong><\/span><\/p>\n\n\n\n [\/vc_column_text]<\/p>\n\n\n\n [vc_empty_space height=”60px”]<\/p>\n\n\n\n [\/vc_column]<\/p>\n\n\n\n [\/vc_row]<\/p>\n\n\n\n [vc_row]<\/p>\n\n\n\n [vc_column width=”1\/3″]<\/p>\n\n\n\n [vc_empty_space][\/vc_column]<\/p>\n\n\n\n [vc_column width=”1\/3″]<\/p>\n\n\n\n [\/vc_column][vc_column width=”1\/3″]<\/p>\n\n\n\n [\/vc_column][\/vc_row]<\/p>\n\n\n\n [vc_row content_width=”grid”]<\/p>\n\n\n\n [vc_column][vc_column_text]<\/p>\n\n\n\n [\/vc_column_text]<\/p>\n\n\n\n [\/vc_column]<\/p>\n\n\n\n [\/vc_row]<\/p>\n\n\n\n [vc_row]<\/p>\n\n\n\n [vc_column][vc_raw_html]JTNDYSUyMG5hbWUlM0QlMjJxcm9wcy1wcmljZXMlMjIlM0UlM0MlMkZhJTNFJTIw[\/vc_raw_html][vc_empty_space height=”70px”]<\/p>\n\n\n\n [\/vc_column]<\/p>\n\n\n\n [\/vc_row]<\/p>\n\n\n\n [vc_row content_width=”grid”][vc_column]\n [\/vc_column][\/vc_row]<\/p>\n\n\n\n [vc_row content_aligment=”center”][vc_column][vc_raw_html]JTNDYSUyMG5hbWUlM0QlMjJjb250YWN0JTIyJTNFJTNDJTJGYSUzRSUyMA==[\/vc_raw_html][vc_empty_space height=”100px”]\n [vc_row content_width=”grid”][vc_column width=”1\/6″][vc_empty_space height=”50px”][vc_single_image image=”11513″ alignment=”right” css_animation=”right-to-left”][vc_empty_space height=”50px”][vc_single_image image=”11511″ alignment=”right” css_animation=”right-to-left”][\/vc_column][vc_column width=”2\/6″][vc_column_text css_animation=”right-to-left” css=”.vc_custom_1548858795893{margin-top: 15px !important;}”]<\/p>\n\n\n\n <\/p>\n\n\n\n [\/vc_column_text][vc_empty_space height=”50px”][vc_column_text css_animation=”right-to-left” css=”.vc_custom_1548846853228{margin-top: 5px !important;}”]<\/p>\n\n\n\n Business Development Manager [\/vc_column_text][vc_empty_space height=”50px”][vc_column_text css_animation=”right-to-left” css=”.vc_custom_1548846864246{margin-top: 5px !important;}”]<\/p>\n\n\n\n Managing Director [\/vc_column_text][\/vc_column] [vc_column width=”3\/6″] <\/p> ![\"\"](\"https:\/\/stm-qrops.com\/wp-content\/uploads\/2024\/01\/STM-QROPS-Zero-Establishment-Fee-24.jpg\")
<\/figure>\n\n\n\nAnthony Lowes<\/strong><\/span><\/h3>\n\n\n\n
Europe & Israel
E: anthony.lowes@stmgroupplc.com<\/a><\/strong>
T: +34 711 034 156<\/p>\n\n\n\nStuart Denness<\/strong><\/span><\/h3>\n\n\n\n
Australia
E: stuart.denness@stmgroupplc.com<\/a><\/strong>
T: +61 (0)450573371<\/p>\n\n\n\n<\/ul><\/div>\n