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Predictable Pension Income. Tailored to Your Life Abroad.
What Is the FIPP?
The Fixed Income Pension Plan (FIPP) is a lump-sum, discretionary investment solution designed for experienced investors who want their pension working harder.
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Using a blend of Fixed Income and Growth-focused Alternative Investments, along with Mainstream and Specialist Funds, the FIPP is engineered to deliver predictable returns—whether your goal is monthly income, long-term growth, or a balance of both.
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Originally developed for use within the QROPS Repatriation Route, the FIPP structure can also be implemented outside a pension wrapper, offering flexibility to suit your personal needs.
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Ideal for the Expatriate that needs reliable income to meet Visa Requirements of their chosen country.
How it Helps with Visa Requirements
1. Predictable Income Stream
The FIPP is structured to generate consistent fixed income, making it ideal for meeting income thresholds (e.g. Thailand’s ฿65,000/month or Portugal’s €705/month).
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2. HMRC-Approved and Recognised
Because it’s built within a regulated pension structure, income from the FIPP is often recognised by immigration authorities as a valid source of retirement or passive income.
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3. Suitable for Visa Documentation
Valentis and the scheme administrators can provide official pension income statements, enabling you to show proof of income for your visa application or renewal.
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4. Flexible Currency & Transfer Options
FIPP income can often be paid in local currency or major currencies (GBP, USD, EUR), and directed to bank accounts in your country of residence—ideal for satisfying visa office requirements.
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5. Tailored to Your Goals
Whether you need to meet minimum income thresholds or simply want peace of mind while living abroad, the FIPP gives you an income stream that supports both lifestyle and legal residency needs.​
Is the FIPP Right for You?
If you're an expatriate seeking a reliable, predictable income from your pension—whether to support your lifestyle abroad or meet strict visa requirements—the FIPP could be an ideal solution. Designed for lump sum pension transfers, it offers the flexibility to prioritise income, growth, or a blend of both, using a combination of mainstream, specialist, and alternative investments.
For those living in jurisdictions that require minimum monthly income (such as Thailand, Portugal, or certain Gulf states), the FIPP provides a structured and documented way to satisfy those conditions while maintaining control over your pension strategy.
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The FIPP is best suited for individuals who qualify as High-Net-Worth, Sophisticated, or international investors, and who are comfortable operating on an execution-only basis. There’s no need for ongoing advice or product lock-ins—just a clear, compliant framework to maximise your pension’s potential. Whether you're returning your pension to the UK or seeking a globally recognised income solution, the FIPP offers clarity, consistency, and confidence in a complex retirement landscape.
Getting Started with a FIPP
Certify Your Investor Status
Confirm you qualify as a High-Net-Worth or Sophisticated Investor to gain access to investment materials.
Book a Consultation
Speak with a Valentis Consultant to discuss your objectives and ask any initial questions, as well as confirm your eligibility for the FIPP / QROPS Route.
Receive Opportunity Overview
We’ll share details of current offerings that align with your goals, risk profile, and preferences, as well closely match with your income and growth requirements.
Complete Due Diligence & Application
We’ll share details of current offerings that align with your goals, risk profile, and You review the provider's documents, conduct your own due diligence, and we submit your application
Invest & Receive Ongoing Updates & Returns
Once invested, the provider will issue regular updates on performance and progress.
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You will also receive your regular income and returns depending on your investment
Why Choose the FIPP Route with Valentis?
Asset Backed Security
Tangible assets underpin every opportunity we introduce.
Proven Track Records
We only introduce offerings from providers with a clear and reliable history of investor repayments.
Transparent Approach
All information is presented in a completely transparent manner so you can make the best investment decision.
Tailored Access
Investments can be made directly, via our Retirement Solutions and our Open Architecture Platform.