if your pension’s still in the UK

timing is everything


They say, “timing is everything” and that’s particularly true for pension transfer values from defined benefit schemes. Transfer values can yo-yo up and down depending on what’s happening with UK government bonds, called GILTS. Low GILT yields mean higher transfer values and vice versa. Think of it like interest rates for mortgages, the lower they go the more you can borrow.

GILT-y pleasures

GILT yields have hit lows, super lows and never seen before lows in August this year (see GILT yield graph below).  These low GILT yields have driven transfer values through the roof.  This has happened across all defined benefit pension schemes in the UK and makes now a great time to look into transferring your UK pension.

£50,000 richer in just 4 months!

Tracking these GILT yield movements is integral to providing our clients with the right advice and with the recent movement in-mind advised one client to delay their pension transfer.  This delay resulted in a £50,000 higher pension transfer value in just the few months between April and August this year.

This is just one example of how proper professional advice can help you profit on your pension by understanding the nuances of what makes your pension tick.  Similarly, the complexity of tax, investment returns, exchange rates and more all have an impact. 

Understanding these impacts and how they deliver value to you as a client is a small but essential part of our overall service.

Transferring a pension is a complex process with many variables that can lead to gains and losses in value. We strongly recommend that you receive qualified professional advice before making any decision on your pension.



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straightforward and painless

Until now I'd imagined my UK pension funds being locked away behind all manner of firewalls and bureaucratic hurdles to access on retirement. Before committing the one surviving official document of my English OE to the bin - a single page detailing my private pension details - I contacted you out of curiosity. The result feels a little like winning lotto.

Peter W

very stress free

Thank you Cambel for your help and guidance throughout this process in getting my pension transferred (very stress free for me). It is greatly appreciated and I would certainly recommend you and Charter Square to others who are interested in transferring their pension.

David R, New Zealand

You guys rock!

I just wanted to say a great big thank you to you and your team. You are all totally awesome. I received a cheque yesterday from the Prudential to apologise for the ‘recent inconvenience’ that I had experienced. Thank you for doing this for me. You guys rock!

Noelle B, New Zealand

professional, insightful

Charter Square were professional, insightful and a pleasure to work with. They rose to the challenge of consolidating my overseas pensions and bringing them home with minimum fuss for me and maximum effort on their part.

Jens H, New Zealand

thorough, professional and prompt

Very thorough, professional and prompt service from the team at Charter Square. Thanks for making the bewildering world of pension transfers super simple.

Jules T, New Zealand

Best party to deal with

Thank you kindly for keeping in touch with me. For now, I will not be moving my pension. I will however be keeping your details and referring back to you when I wish to pursue. You by far are the best party to deal with, no nonsense, professional and in my opinion genuine. I do sincerely thank you for your advice to date.

GE, New Zealand


Securing the freedom to use savings that are actually ours to work with has been stressful in the extreme. While I never planned on giving up there were many times when the current (UK) holder made the whole process seem well beyond my determination and ability. It’s easy to look at the 36 month history of this claim with the benefit of hindsight, but the conclusion is that employing Charter Square in the first instance would have been wise had I been able to anticipate the red-tape that appears to have been deliberately created to stall access.

CP, Auckland