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Search: Posts Made By: chc4me
Showing results 1 to 25 of 463
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Forum: New Zealand
Apr 6th 2025, 9:26 am
Replies: 1
Views: 6,420
Posted By chc4me

Moderators?

Just checking who are the Moderators on the NZ page? MrsFychan does not appear to be active.
Forum: New Zealand
Mar 27th 2025, 10:43 am
Replies: 5
Views: 17,226
Posted By chc4me

UK Pensions - Updated 2025/26

This post is up to date as at 28/03/2025 and concerns private UK pension savings. It does not address UK State Pensions (see this post for info on State Pensions...
Forum: New Zealand
Mar 6th 2025, 11:09 am
Replies: 12
Views: 11,294
Posted By chc4me

Re: UK Defined Benefit Pension: to transfer or not?

Hi fftmc,
I'll private message you.
Forum: New Zealand
Feb 9th 2025, 7:07 am
Replies: 14
Views: 14,361
Posted By chc4me

Re: NZ for retirement (dual UK//NZ citizen)

One of the issues is that nobody wants to commit to an answer! Hopefully I have provided you with the info you needed.
Forum: New Zealand
Feb 6th 2025, 7:24 am
Replies: 2
Views: 6,431
Posted By chc4me

Re: NZ Super eligibility.

Paulel2501 - The reciprocal agreement means you will qualify for a full NZ State Pension at the age of 65. The 12 years that you refer to relates to people that do not meet the reciprocal agreement...
Forum: New Zealand
Feb 6th 2025, 7:22 am
Replies: 14
Views: 14,361
Posted By chc4me

Re: NZ for retirement (dual UK//NZ citizen)

Paulel2501 - The reciprocal agreement means you will qualify for a full NZ State Pension at the age of 65. The 12 years that you refer to relates to people that do not meet the reciprocal agreement...
Forum: New Zealand
Aug 5th 2024, 1:56 pm
Replies: 14
Views: 14,361
Posted By chc4me

Re: NZ for retirement (dual UK//NZ citizen)

Its contained in Article 10 of the Social Security Agreement: https://www.legislation.govt.nz/regulation/public/1990/0085/latest/DLM137735.html
Forum: New Zealand
Aug 5th 2024, 1:50 pm
Replies: 12
Views: 11,294
Posted By chc4me

Re: UK Defined Benefit Pension: to transfer or not?

I've spoken with RoadRunner directly on the questions posed.
For others, remember Pensions and cross board tax is complex and requires specialist financial advice. RoadRunner did the right thing by...
Forum: New Zealand
Apr 3rd 2024, 8:54 am
Replies: 8
Views: 5,225
Posted By chc4me

Re: NZ + UK ( Total state pension)

Hi Rickmcd,

Yes, time spent in NZ counts towards National Insurance 'Years'. This is covered under the Social Security Agreement between NZ and the UK. Check with NZ Work & Income International...
Forum: New Zealand
Mar 11th 2024, 1:32 pm
Replies: 14
Views: 14,361
Posted By chc4me

Re: NZ for retirement (dual UK//NZ citizen)

With regards to Pensions - it is complex and depends on a number of factors. To qualify for a NZ State Pension (called NZ Superannuation or NZ Super), you must be age 65, living in NZ at the time of...
Forum: New Zealand
Jan 10th 2023, 12:07 pm
Replies: 7
Views: 943
Posted By chc4me

Re: Overseas investor exemptions

Hi, I'm interested in this topic but have no experience of this situation. I have looked at the Immigration NZ website and note the following:
- If you are a NZ Citizen, then the restrictions do not...
Forum: New Zealand
Jan 5th 2023, 6:08 pm
Replies: 3
Views: 1,461
Posted By chc4me

Re: Pension from uk

Hi dianneteacher,

I will start by confirming that I am a Financial Adviser and specialise in providing advice and transfer services for UK Pensions.

In terms of your question, there are...
Forum: New Zealand
Apr 12th 2022, 10:52 am
Replies: 0
Views: 4,435
Posted By chc4me

UK Pension Transfers - Updated 2022

This post is up to date as at 13/04/2022 and concerns private UK pension savings. It does not address UK State Pensions (see this post for info on State Pensions...
Forum: New Zealand
Mar 21st 2022, 11:45 am
Replies: 3
Views: 1,428
Posted By chc4me

Re: Pension Lump Sum

Thanks for the shout out. I've sent PM.
Forum: New Zealand
Dec 12th 2021, 7:21 am
Replies: 3
Views: 1,533
Posted By chc4me

Re: Help! Pension, its a bit complicated!

Private message sent.
Forum: New Zealand
Nov 30th 2021, 10:26 am
Replies: 3
Views: 1,727
Posted By chc4me

NZ Super, 20 years qualifying, impact for UK-Expats

How New Superannuation Bill affects UK-Expats.

This article discusses how NZ Superannuation entitlements may be impacted for ex UK migrants following the enactment of The New Zealand...
Forum: New Zealand
Nov 30th 2021, 8:31 am
Replies: 4
Views: 1,057
Posted By chc4me

Re: Pension lump sum claim from the UK?

LittleGreyCat In the context of the original post (OP), Transitional Tax Resident Exemption would be required. There is some criteria to qualify as for the Transitional Tax Resident Exemption,...
Forum: New Zealand
Nov 28th 2021, 11:23 am
Replies: 4
Views: 1,057
Posted By chc4me

Re: Pension lump sum claim from the UK?

The NZ Income Tax Act applies, meaning you will need to declare the full payment in your tax return and pay tax at your personal income tax rate. For example, if your annual income is $70,000 per...
Forum: New Zealand
May 19th 2021, 12:16 pm
Replies: 5
Views: 1,309
Posted By chc4me

Re: Kiwi Saver

A Default scheme is for investors that joined KiwiSaver but never made a choice about which provider to join or which fund to invest in. If you didn't do that, you will be in a Default scheme. If you...
Forum: New Zealand
May 2nd 2021, 10:27 am
Replies: 92
Views: 24,012
Posted By chc4me

Re: New adventure ?

A quick thank you to escapedtonz for being such an active part of the the NZ boards on this forum. Always quality opinions, thoughtful answers and supportive of members. Hopefully you will check in...
Forum: New Zealand
Nov 15th 2020, 8:47 am
Replies: 4
Views: 1,336
Posted By chc4me

Re: Pension Transfer Companies

Hi to all, I've PM Framps69.

To add to the conversation, the cost of transferring has increased significantly over the last few years, although the cost mentioned in the original post is quite...
Forum: New Zealand
Nov 3rd 2020, 8:43 am
Replies: 2
Views: 1,719
Posted By chc4me

Changes to NZ State Pension

Hi to all,

There are two main changes to NZ State Pensions (NZ Superannuation or NZ Super) that could impact retirees at age 65.

1. Non-Qualifying Partners: "Currently, some people getting NZ...
Forum: New Zealand
Jun 21st 2020, 3:48 pm
Replies: 7
Views: 5,796
Posted By chc4me

Re: UK Pension Transfers - updated for 2020

Hi Desmondo84, Please refer to point 6 in the first post:

6. Transfers from a pension scheme to a NZ scheme is a taxable event. If a transfer is made within the first 4 years of arriving in NZ,...
Forum: New Zealand
Apr 12th 2020, 1:11 pm
Replies: 10
Views: 2,068
Posted By chc4me

Re: Turned 65 years

If you are receiving $632.50 then that is the Couples rate for when you are both over the age of 65, meaning you are both receiving this amount. Is that correct? Also $632.50 after tax is the 2019...
Forum: New Zealand
Apr 12th 2020, 11:59 am
Replies: 10
Views: 2,068
Posted By chc4me

Re: Turned 65 years

For a person turning 65 in 2020, the full State Pension in the UK is £175.20, this works out as $18,676 per year in NZD and is before tax (i've used an exchange rate of 2.05). The NZ Superannuation...
Showing results 1 to 25 of 463
 
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