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A place in the sun

The promise of adventure and a warmer climate are, all too often, matched by the number of complications that come along with retiring abroad, warn Tim Adams and Edward Nice

23 November 2015

Moving abroad can be an exciting affair but it is not short of complications. Where you move will be a key factor in your planning. The most popular destination for aspiring expats will no doubt be the warmer climates of Western Europe, and while these countries have identifiable legal, tax and welfare structures, they can differ hugely from one another.

So what are the areas to consider?

State pension

If you relocate to a country with a reciprocal arrangement with the UK, you will continue to receive your state pension with inflation-linked increases. This will apply if you move to another EU country (or the US), but it will not be the case if, for example, you move to Canada or Australia. Your state pension will remain frozen at the rate which applied when you left the UK.

Remember that changes in exchange rat...

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