top of page
London View

UK Pensions

Our team has over a decade of combined experience in pension transfers. We help expats in the complexities of pension transfers, we track down Defined Benefit (DB) and Defined Contribution (DC) pensions for our clients, and help them make an informed decision as to what is best for themselves and their family, now they live in New Zealand.

Who we are and how we can help

Jamie and Sean head up this part of the Naked Finance family and together hold a wealth of experience and knowledge in UK pension transfers. Now that you live in New Zealand, the simplification of life is what we want to achieve and having overseas pensions may or may not be the right thing for you. If you think this is a complex matter now, imagine navigating this in your 80's. Take control of your pension nest egg, even if it is on the other side of the world. 

Facts and Figures

Do you fully understand the status of your overseas pension? You may have been meaning to dig into this for a while, but haven't got around to it, let us make the initial enquiries for you, help you understand what you have back there and in what form. From there we will make some suggestions for you as to the best way to proceed. As with anything from Naked Finance, there is no cost for these types of enquiries. 

Let's strip away the BS!

Depending on your circumstances, wants and needs, there are many things to consider with your pension. We help lay these considerations out for you and ensure you know the pros and cons of any decision, before you make it. 

Let us do the digging

We will go out and survey the marketplace and look for what fund is the best fit for you. Bear in mind, that this doesn't only focus on returns, we will take into account 'soft' factors too.

Your diamond in the rough

We will then collate the findings and help you understand all factors in your decision, thus allowing you to make an informed selection.

​We're here for the long run

As with all things, maintenance is key. What is right today is not necessarily going to be right in five years. That's why we commit to the long run with our clients, ensuring we are always available and able to help them retweak to ensure optimal performance.

The three stages

RESEARCH
Let us do the grunt work

It isn't a secret that the time difference to the UK can be a real pain in the arse sometimes. We will call the UK schemes of an evening and ensure the process is on track and all funds are accounted for.

ADVICE
The bones of it all

Once we have collatd all the information we will sit down with you in person and go over all the options available to you and ensure you understand the pros and cons of each.

IMPELENTATION
Let's get you sorted


Once you are happy with the suggested plan of attack, we will set the wheels in motion for you. It is important to note that the transfer will likely move at the same pace as your shipping container took to get here when you first moved! It is most definitely an iceberg principle, in that there are several steps to go through in the process, but know that we will be here to go through these with you along the way.
 

Working at home

Avoid the pitfalls 

We have worked with hundreds of people over the years in assisting them to understand what the best options are for them now they live in New Zealand. As with anything containing trip hazards, there are plenty of faux pars to avoid. We will help you navigate these and you can be confident that we will lay your options out in plain English, so there are no misunderstandings.

Is it where you left it?

Remember in the UK it is common for pension books to be sold and it is likely your money isn no longer where you left it!

What do I need to know about UK pensions?

  • What is the need for life insurance?
    There are two main mindsets for life insurance. This first is to 'maintain' the lifestyle of your loved ones after you have passed. This essentially means that all your debts will be covered so they are not burdened with them. The second mindset is to improve the lives of your loved ones, to elevate them. Both ensure Funerals are covered, as these can be a costly affair. Life insurance can really be whatever you want it to be so have a chat with us to see what your options are.
  • What happens if you don't tell the insurer something important?
    In short, your insurer could rightfully deny you cover for exclusions that you failed to disclose. It is important to be truthful when signing up to insurance so you can be protected to the fullest.
  • Is it worth getting health insurance in NZ?
    We are lucky here in NZ. We have a few safety nets that are already in place to care for our health. There is the public health system and ACC for accidents. If you need "acute" surgery the public health system will care for you, but you will be triaged against other patients, which means it could be some time before you get seen. And for most, your care will only be subsidised so you still may face a big bill at the end of it. With private health insurance, you will get in front of the right people much quicker, which is priceless for peace of mind. Non Pharmac treatment options are also available through private health insurance. This can be a 'make or break' for treatment.
  • How much is health insurance in NZ?
    Well this depends on who you are and what you want to cover. There are a variety of packages and providers on the market so we would take time to focus in on what it is you need. But "how much?" we hear you ask again... As much as we would love to give precise figures, it is all on a spectrum from quite cheap to quite expensive. Tell us all about your needs and what you're able to spend and we will find the right package for you.
  • Which employer has the best health insurance?
    Luckily, more and more employers are providing health insurance as staff are requesting it. This is more likely to be by big firms, but Naked Finance is part of a group that can offer health insurance packages for teams as small as five people! We are more than happy to have a chat to your employer if you'd like to introduce the conversation. Speak to us to find out more.
  • What are the different types of insurance? Is it just Health and life Insurance?
    Well health and life insurance are the two most widely known, but there are several other services that are worth your consideration. Trauma / Disability insurance is generally known as a lump sum product where you get paid out a lump sum when you have a critical illness. And income protection replaces the income you will lose while you're not able to work. If you think you can protect yourself against more, chat with us to see what packages will be best for you.
bottom of page