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UK pensioners living in the EU should be afraid, very afraid… but help is on its way

UK pensioners living in the EU should be afraid, very afraid… but help is on its way

Canadian Expats fight to Retain Pension Increase

TODAY there are over half a million UK state pensioners living overseas who do not receive an annual increase to their UK state pension. Since the pension payment is never increased, it is known as the “frozen” pension policy. What has this got to do with UK pensioners living in the European Union (EU) you may ask? The answer is six letters: b-r-e-x-i-t.

Read More on the Olive Press Website

Post-Brexit Pensions at All-time Risk

Post-Brexit Pensions at All-time Risk

UK pensions face an unprecedented level of risk following the Brexit vote, warns deVere Group’s CEO Nigel Green.

Mr. Green is speaking out as several contributing factors combine to negatively impact savers’ retirement funds.

“UK pensions face an unprecedented level of risk following the Brexit vote. Those with UK pensions must be made aware that many of their hard earned savings are now in the eye of the perfect storm following the UK’s historic decision to leave the EU.”

Now more than ever savers must ensure they are properly diversified to mitigate the increasing threats to their retirement funds.

He continues: “There are four key factors that could seriously derail people’s retirement plans:

1.    As more and more individuals seek to secure a transfer, the more likely it is that schemes will run into liquidity problems and could seek to freeze transfers altogether.

Gilt yields have reduced considerably since the Brexit vote and this has driven up transfer values. This is good news for those wishing to take money out of the defined benefit scheme, but these larger pay-outs put extreme further pressure on the pension schemes themselves – many of which are already woefully underfunded.”

2.   These falling gilt yields will further drive up pension deficits –and this is the last thing they need.

It was widely reported last week that the UK’s pension funding hole has hit a record high of £935 billion. This is likely to grow and will soon reach a trillion. The weight of these deficits brings into question the very survival of many company pension schemes and in order to survive they will need to make drastic changes to the terms of employees’ pension schemes.”

3.   The downturn in the UK economy after the Brexit vote.

With some experts now forecasting a possible recession, it will become more and more difficult to fund pension schemes. Many companies will find the true cost of operating them increasingly prohibitive.”

4.   The value of the assets that the schemes invest in and hold is likely to depreciate due to the economic downturn.

For instance there are real and justified concerns over a cooling property market and the banking and travel sectors, with companies across many different industries issuing profit warnings.”

Mr. Green concludes: “Brexit has helped create the worst of all worlds for pensions – and the true damage to pension schemes is not always immediately apparent as most schemes only carry out a full valuation every three years. As such, the ramifications of Brexit on pension schemes will only truly be felt over a period of years and by that point schemes may have already gone beyond the point of no return. Now more than ever savers must ensure they are properly diversified to mitigate the increasing threats to their retirement funds.”

Associate Wealth Consultant deVere, Craig Webb





meeting_mayor_Victor NavasBREXPATS IN SPAIN was born in Mijas, from concerns for our future in Spain following the result of the Brexit. In just four weeks we have added 1,700 members to the Association, from provinces all over Spain; Almeria, Barcelona, Cadiz, Mallorca and Tenerife. We have also initiated contacts with other similar groups based in EU countries like France or Italy, and we are working to respond to the concerns of Spanish immigrants who reside in England. On 9th August BREXPATS IN SPAIN met the Mayor of Benalmádena, Victor Navas, and the Councillor for Foreign Residents, Ana Schermanin, who pledged their full support for expats in Benalmádena.

“Many British residents have already seen their pensions severely affected by the devaluation of the pound, and have other concerns for the negative consequences of the ‘Brexit’, such as the need to take private health insurance, or everyday aspects, such as the location of their home, pets or driving licences,” said the Mayor.  “There are many questions and doubts that concern a group in Benalmádena that is 8% of the population.”

“Our Foreigners Department have emphasized in recent weeks contact with the British population on the Brexit issue, a process that will still take time to complete but which awakens many doubts and uncertainties among our British neighbours,” confirmed Ana Scherman, who has stressed the need that those affected be empadronado in order to receive support and advice. “We have established a schedule with the Association to move forward in our partnership with new meetings now set for September and October.”

See the article on the Spanish Website at 20minutos.es

Read our articles on Registering on the Padrón and Getting Residency in Spain

Brexit: What the European papers say

Brexit: What the European papers say

In Spain’s El Pais, Xavier Vidal-Folch bemoans the fact that negotiations resulting from the “xenophobic operation” of Brexit may result in EU migrants in Britain – and vice versa – being used as the “bargaining chips of a bad-tempered nationalism”.

“Freedom is indivisible and European freedom consists of four specific freedoms – [the free movement] of goods, services, capital and people,” he argues. “Only an extremist puts the rights of goods before that of their fellow citizens.”

Read on the BBC website

SUR: Primeros pasos de Brexpats in Spain

SUR: Primeros pasos de Brexpats in Spain


Unas 200 personas se reúnen en Mijas para constituir el primer colectivo que defenderá los intereses de los británicos en España.
Brexpats in Spain ya es una realidad. Una vez firmada el acta fundacional, a falta tan solo de la inscripción en el registro de asociaciones, nace, tras el Brexit, el primer colectivo que tiene como objetivo defender los derechos de los británicos residentes en España, así como informarles acerca de las ventajas y desventajas que tienen como ciudadanos en nuestro país a raíz de que el Reino Unido salió de la Comunidad Europea.

Read article on DiaroSUR website

Warm Welcome for BREXPATS

Warm Welcome for BREXPATS

Meeting held at the Tamisa Golf Hotel, Mijas Costa on 27 th July 2016.


Our initial attendance expectation was wildly off the mark. By the morning of the meeting we had over 1400 members in our Facebook group and our estimated turnout soared from 30 – 50 attendees to an amazing 200 plus.


Report on the BREXPATS IN SPAIN First Public Meeting


The meeting was opened to a packed room by our President Anne Hernández outlining our vision for the BREXPATS IN SPAIN initiative. She also introduced the top table, followed by short presentations from some members of the BREXPATS team, who were joined by our special guests: the Mayor of Mijas, Juan Carlos Maldonado; from the British Consulate in Málaga, Dominic Jackson; Anette Skou and Katja Thirion from the Foreigners Department of Mijas Town Hall; and our experts on the day to cover Legal, Financial, Health and Property sectors.

BrexpatsWeb4The Mayor of Mijas, Juan Carlos Maldonado then took the floor to offer words of encouragement and to confirm the importance of the expat community in Mijas, pledging 100% support to our cause by the Ayuntamiento de Mijas. He stated that in Mijas alone there are 11,000 expats with some 65,000 in the Málaga province, adding that our economy is directly linked to our purchasing power. He made the point that Spain’s economy is directly linked to our own, and if our economy diminishes then so does Spain’s.

Mijas is behind us all the way.

Far from being here just for the sunshine, The Mayor wished to make clear that he understands our concerns in the wake of the EU referendum. Via the Junta de Andalucia and Central Government, he confirmed his intentions to promote and support our continued rights to other important benefits, such as healthcare and pensions, and considered our quality of life here should not be altered. He will endeavor to find the solutions to our problems and answers to our questions, and stated that Mijas is the pioneer in Spain to promote and support this. He concluded by saying that the Town Hall is at the disposal of BREXPATS IN SPAIN and its members, and that Mijas is behind us all the way.

The meeting was an extremely positive experience and served its purpose to welcome members.

Dominic Jackson, from the British Consulate Office in Málaga, advised that to date they understandably had no indication as to the effects of Brexit on British Nationals in Spain, but that “the Consulate Office in Málaga would work closely with BREXPATS IN SPAIN to disseminate information as it becomes available”.

As article 50 has not yet been activated and is not expected to be until early 2017, the meeting mainly focused on the need for all British expats in Spain to ensure their total legality. If we are asking Spain to welcome and support us after Brexit, it would be prudent to ensure our status in our host country be 100% legal. This requires all expats to acquire the appropriate paperwork from their local Town Hall, including NIE, Residency and registering on the Padrón. It was however acknowledged that there were many other areas of concern including Taxation, Education, Property, Wills and so on, that also need to be addressed as the process of Brexit progresses.Anette and Katja

Despite the present lack of availability of answers to the majority of concerns and questions, the meeting was an extremely positive experience and served its purpose to welcome members, introduce the team and experts and to collect those individual questions. The support and appreciation shown by those present was greatly received not only by the BREXPATS team but also by the guest speakers and experts who attended and we thanked them all for their valuable input and support.

It was our intention to circulate among our members informally but given the capacity and insufficient room to mingle, questions were invited of the top table. Some questions related to pensions, health, property, and other legal issues such as dual nationality which does not exist in Spain but is being petitioned through appropriate channels. All these questions will be dealt with personally by our experts and a general overview of the questions and answers will be posted on our website in coming weeks.

Anne Hernández announced that BREXPATS IN SPAIN are planning more formal presentations by our experts at the auditorium of La Cala de Mijas Town Hall on a variety of relevant topics, and also offered for the BREXPATS team to go out and talk informally to other British groups, club and societies. We realise that not everybody is mobile or can travel to Mijas. On that point, she also outlined our future plan to offer to set-up splinter groups in other areas and asked for volunteers prepared to dedicate a few hours to do this. It is essential that we gain the support of all of Spain because there is greater strength in numbers.

BREXPATS IN SPAIN IS YOUR VOICE                 Generous support and sponsorship for the evening was gratefully received from DeVere Spain.