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The COPIA Retirement Plan (QROPS)

We specialise in the provision of retirement and pension services to expatriates, internationally mobile individuals and corporate clients. We provide an award winning range of schemes covering both approved pensions and retirement saving plans. These offer a wide range of options around investment choice, contribution and retirement benefit types.

If you are looking for OPES, click here.

Overview

The COPIA Retirement Plan (QROPS) is ideal for expatriates looking to move their UK pension offshore to a HMRC qualifying international scheme.

A Qualifying Recognised Overseas Pension Scheme (QROPS) is any scheme recognised by HMRC as meeting standards and conditions equivalent to a UK pension. This approval allows anyone with a UK registered pension who is living outside the UK, or is intending to leave the UK, to transfer their pension offshore.

Some of the benefits that COPIA offers:

  • Estate, domiciliary & succession planning.
  • Tax planning.
  • Consolidation of UK pensions in an offshore structure.
  • No cap on value of transfer(s) or contribution(s).
  • Multi-currency - £, US$, €.
  • Competitive pricing.
  • Diverse investment choice.
  • Experienced administrators.
  • Long established pension scheme.
  • Well regulated jurisdiction.
     

Asset Allocation & Active Management

The strategies available to you offer five asset allocation models. These range from cash to dynamic and also include one neutral asset allocation model.

Active management means that both the asset allocation strategy and the holdings within each strategy are constantly monitored and reviewed.

This is done through both a quantitative and qualitative process using internal and external expertise and some of the latest technology available to investment professionals. This active approach to management means that your strategy is continually adapted with a view to delivering its objective, whether it is growth or capital preservation.

The table below gives you a better insight as to the objective and risk parameters of each strategy, the currency options available and the dates on which investment into the strategies is allowed. There is also other helpful information to assist you to determine the most appropriate strategy for you.

  Cash Strategy Cautious Strategy Neutral Asset Strategy Balanced Strategy Growth Strategy
Objective To provide investors with stability of capital and weekly liquidity together with a rate of return comparable to normal sterling money market interest rates. To deliver limited capital growth with an emphasis instead on wealth preservation. To deliver moderate capital growth over the long-term with a focus on reducing capital volatility through a neutral asset allocation model. To deliver moderate to good capital growth over the long-term through a balanced investment approach. To deliver good to strong capital growth over the long-term with a focus on capital growth and minimum sensitivity to short-term capital fluctuations.
Investor Profile
You are very uncomfortable putting your assets at risk and place a premium on the preservation of your capital and its certainty. You are uncomfortable putting asset values at risk and place a premium on certainty. You are comfortable with a neutral mix of assets that offer reasonable security but with some growth prospects. You are comfortable with a broad mix of assets where a bias is placed on those that offer greater long-term growth prospects with a higher degree of risk. You want to maximise your growth opportunities and whilst you favour a diverse mix of assets you are comfortable with a bias towards higher risk, growth orientated assets.
You accept a cash strategy offers security with limited growth opportunity. You accept a conservative approach offers limited growth opportunity. You accept that a neutral asset allocation strategy offers a moderate growth opportunity. You can accept that an active asset allocation strategy offers moderate to good prospects for growth but with a higher degree of risk. You can accept that an active asset allocation offers moderate to good prospects for growth but with a higher degree of risk.
You prefer to have the value of your investments maintained without the risk of loss due to capital fluctuations. You prefer not to have anything other than slight fluctuations in your capital. You accept low to moderate fluctuations in the value of your portfolio. You are comfortable with moderate to potentially higher fluctuations in the value of your capital. You know that your capital will undergo significant fluctuations in value.
You prefer a mix of cautious assets providing capital protection and no devaluation in your portfolio due to negative market movements. You prefer a mix of cautious assets providing capital protection and little fluctuation in the value of your portfolio. You are comfortable with a diverse range of assets. You are comfortable with a diverse range of assets. You are comfortable with a diverse range of assets.
You are very likely to require income or capital from your plan immediately or within the next three years.   You are very likely to require income or capital from your Plan immediately or within the next three years. You are likely to require an income or capital from your Plan within the next five years. You are unlikely to need income or access to your capital for the next five years. You have no immediate need for income or capital from your investment and are unlikely to need either for at least five years.
Currency Make-up Only holding assets in the currency of the strategy to mitigate currency risk. Only holding assets in the currency of the strategy to mitigate currency risk. Only holding assets in the currency of the strategy to mitigate currency risk. A strong investment bias in the currency of the strategy to reduce currency risk. A strong investment bias in the currency of the strategy to reduce currency risk.
Currency Sterling, Euro & US Dollars. Sterling, Euro & US Dollars. Sterling, Euro & US Dollars. Sterling, Euro & US Dollars. Sterling, Euro & US Dollars.
Investment Access Date Weekly, Tuesday provided such a day is a business day. Weekly, Tuesday provided such a day is a business day. Weekly, Tuesday  provided such a day is a business day. Weekly, Tuesday  provided such a day is a business day. The third Tuesday of every month provided such a day is a business day
Asset Mix Guidelines for Strategies Cash 0% to 100%
Fixed Income 0%
Real Assets  0%
Equities 0%
Alternative 0%		 Cash 0% to 20%
Fixed Income 50% to 80%
Real Assets 0% to 30%
Equities 0% to 30%
Alternative 0% to 30%		 Cash & Fixed Income 25%
Real Assets 25%
Equities 25%
Alternative 25%		 Cash 0% to 25%
Fixed Income 20% to 60%
Real Assets 5% to 40%
Equities 20% to 60%
Alternative 0% to 30%
 		 Cash 0% to 25%
Fixed Income 5% to 35%
Real Assets 5% to 30%
Equities 40% to 75%
Alternative 0% to 35%

 

Fact Sheets

Download our fact sheets for the latest strategy fund information.

  Fact Sheet
Sterling Cash Strategy Download
Euro Cash Strategy Download
US Dollar Cash Strategy Download
Sterling Cautious Strategy Download
Euro Cautious Strategy Download
US Dollar Cautious Strategy Download
Sterling Neutral Strategy Download
Euro Neutral Strategy Download
US Dollar Neutral Strategy Download
Sterling Balanced Strategy Download
Euro Balanced Strategy Download
US Dollar Balanced Strategy Download
Sterling Growth Strategy Fund Download
Euro Growth Strategy Fund Download
US Dollar Growth Strategy Fund Download

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