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QROPS Key Differences

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Gibraltar

Malta

Retirement Age
55-75
55-75
Tax on Pension Income
2.5% flat-rate. Consider tax in country of Residence
DTA between Malta and Country of Residence, so no Tax in Malta, but relevant DTA should be considered.  If no DTA, or DTA gives Malta taxing rights, Maltese Tax rates up to 35%
Pension Income
Up to 150% GAD
Flexi-Access
Lump Sum (PCLS)
Up to 30%
Up to 30%
Tax Return for Pension Income
Required
Required
Borrowing on Property (commercial only)
Allowed
Allowed
Connected Party Investments
50%
Not Allowed
Connected Party Loans
Not Allowed
Not Allowed

As your life changes, so should your financial recommendations, this ensures relevance of position in a changing financial world.

Andrew Caddick – Managing Director
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