If you’ve worked overseas, chances are a big piece of your retirement savings is still sitting offshore in Aussie Super or a UK pension.
When your life is in New Zealand, it makes sense for your money to be here too. Leaving it overseas often means limited access, confusing rules, and very little control. Bringing it home gives you clarity, visibility, and one connected financial plan.
Why People Transfer
Most clients we work with have no intention of moving back to Australia or the UK. For them, keeping money there feels like loose ends.
Others are simply frustrated by the lack of transparency. UK pensions in particular can be messy – hard to track, difficult to access, and packed with rules that don’t align with your goals.
And then there’s the power of consolidation. When everything sits under the one Finsol umbrella, your KiwiSaver, investments, and retirement funds are aligned, monitored, and managed as a whole. It’s cleaner, simpler, and stronger.
What We Do
We guide you through the full transfer process:
- Australian Super into KiwiSaver
- UK pensions into a Qualifying Recognised Overseas Pension Scheme (QROPS)
We handle the forms, the follow-ups, and the provider selection. There’s no upfront or transfer service fee from Finsol. Once your funds are invested, we apply a clear ongoing management fee to ensure your portfolio is monitored and actively managed over time.
Key Things To Know
Australian Super
Not every KiwiSaver provider accepts super transfers, so we confirm the right pathway first. Once transferred, the Australian rules stick to that portion — it can’t be withdrawn for a first home and generally remains locked until at least age 60 and retirement under Australian rules.
UK pensions
Transfers must go into a QROPS in New Zealand. Funds are generally accessible from age 55 (rising to 57 in 2028). The UK’s 25% overseas transfer charge applies unless you and your funds are in the same country, which usually means no charge when moving to New Zealand. HMRC can, however, review your position for five years if your circumstances change.
Here’s the important part: timing matters. From a tax perspective, UK pension transfers can be time-sensitive. If you’ve already been living here for some time, the tax position may change. That’s why we work closely with aligned accountants to ensure the move is in your best interests before anything happens.
The Bigger Picture
This isn’t just moving money across borders. It’s about taking ownership of your retirement. It’s about clarity, control, and confidence that all your finances are working together.
If you’re ready to explore your options, we’ll guide you every step.
