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Pensions and Inheritance: Are Your Retirement Savings Still Safe?

by | Sep 4, 2025

Retirement, Saving, Top Stories, UK Expats

Pensions and inheritance

Here's an overview of the proposed rules, an outline of who may be affected, and planning points worth considering.

Pensions and inheritances will be treated differently by HMRC from April 7, 2027. HMRC has released draft legislation that could significantly change the way unused pension funds are treated for Inheritance Tax purposes. If implemented, these changes may affect how pensions are passed on to beneficiaries, particularly for those with larger estates or pensions held overseas. In this newsletter, we provide an overview of the proposed rules, outline who may be affected, and highlight planning points worth considering. As always, individual advice should be sought based on your personal circumstances.

Pensions and inheritance
Pensions and inheritance
Pensions and inheritance

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The views expressed in this article are not to be construed as personal advice. Therefore, you should contact a qualified, and ideally, regulated adviser in order to obtain up-to-date personal advice with regard to your own personal circumstances. Consequently, if you do not, then you are acting under your own authority and deemed “execution only”. The author does not accept any liability for people acting without personalised advice, who base a decision on views expressed in this generic article. Importantly, where this article is dated then it is based on legislation as of the date. Legislation changes but articles are rarely updated, although sometimes a new article is written; so, please check for later articles or changes in legislation on official government websites, as this article should not be relied on in isolation.

Vyjádřené názory v tomto článku nelze považovat za osobní poradenství. Vždy se proto obraťte na kvalifikovaného, ideálně regulovaného poradce, který vám poskytne aktuální, osobní doporučení šitá na míru vaší konkrétní situaci. Pokud se rozhodnete jednat bez takového poradenství, činíte tak na vlastní odpovědnost a vaše jednání spadá pod režim „execution only“ (pouhá realizace pokynu bez poradenství). Autor nepřijímá žádnou odpovědnost za rozhodnutí osob, které se spoléhají na názory uvedené v tomto obecném článku bez personalizovaného poradenství. Je důležité si uvědomit, že pokud je článek datován, vychází z právních předpisů platných k uvedenému datu. Právní předpisy se mohou měnit a články jsou aktualizovány jen zřídka. Doporučujeme proto vždy ověřit případné novější články nebo změny legislativy na oficiálních vládních stránkách, protože na tento článek nelze spoléhat izolovaně.

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Post written by:
Autorem článku je:

James Pearcy-Caldwell

James founded and runs Aisa with an emphasis on a pro-client and transparent approach. He is always looking for the most suitable solution for the benefit of the client. He has been in the field of investment advice since 1998, and therefore fully understands the necessity of open communication and honesty. James is certified in many financial areas in several countries and also holds the most prestigious European certificate in investment planning EFP (European Financial Planner).

Aisa International is the only financial advice service company specialising in advice for expats that is regulated as a Securities Trader in the Czech Republic, USA, and UK.

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