Hi all, looking for a clarification: what happens with the UK pension contributions when you leave the UK? Does it matter if I get British citizenship (i. e. having lived here for 6 years) but will move overseas later?

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It’ll just sit there in whatever fund it was invested in, and (hopefully) continue to increase in value. Citizenship won’t make any difference.

You may be able to transfer the contributions to a Registered Overseas Pension Scheme (ROPS) in your country, if they are available.

Otherwise, the “issue” arises when you start withdrawing from the pension - depending on the tax treaty in the country you are resident in, you may pay a withholding tax on withdrawals, though this will typically be eliminated through double-tax relief.

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