What happens to my UK pension now I have moved to the US?

What happens to your UK pension when you move to the US depends upon the type of workplace or personal pension you have and whether you and/or your employer are still contributing to your UK pension whilst in the US.

However, assuming there are no further contributions to your UK workplace or personal pension now you are abroad, your UK pension will simply be treated as a “deferred” or “old” pension. You do not lose your pension benefits and at retirement you should be able to access your UK pension.

Living abroad can sometimes restrict the investment options available to you under your UK pension or how you are able to draw from your UK pension at retirement. For this reason, it can be helpful to have a financial adviser review your existing UK pension to determine whether it meets your current retirement objectives.