Client Profile
Mr. Ram aged 40 held a UK pension fund worth approximately ₹45 lakhs with LifeSight, a UK workplace pension provider.
The Situation
Mr. Ram reached out to QROPS Direct three months before his planned relocation from the UK to India. At this early stage, we advised him that the formal transfer process could only begin once he had officially landed and settled in India a key compliance requirement for UK pension transfers.
Our Approach
As soon as Ram landed in India, we initiated the transfer process immediately. Our team managed the complete documentation and coordination with LifeSight and the entire transfer was completed in under three months well within the typical 4–12 week range for such transfers.
Investment Strategy
Once the funds arrived in India, we recommended a balanced asset allocation:
• 75% in a Flexicap fund to capture long-term growth potential, given a constructive outlook on the Indian equity market
• 25% in a debt fund as a buffer allocation, earning a stable 6–6.5% return, which can be switched into the equity fund whenever markets correct and offer a better entry point
This gives Mr. Ram both growth exposure and the flexibility to increase his equity allocation opportunistically, rather than committing the full corpus to markets at once.
Outcome
Mr. Ram’s UK pension transfer was completed smoothly and efficiently with funds repatriated to India in under three months and a strategically diversified investment structure aligned with his age, risk profile and market condition.
