Should you recommend a Kiwi QROPS?

Currently in New Zealand it is common practice for an individual to be able to access their full retirement savings and this is indeed common practice in other parts of the world such as Australia and South Africa. Obviously, this is very counter-culture to the UK where pensions are effectively written into trust. The member only has a contingent right to these monies; the right to access a range of benefits typically being a lump sum and income stream provided that they are still alive by the time they reach retirement date. So, they do not have the ability to cash the pension because t...