Pension Schemes - Soteria Trusts

Unsure how to manage your pension scheme?

Options for all nationalities, in any occupation,
wherever you choose to work

What our Schemes Offer


Tax Freedom



Value for Money


Our pension schemes are designed around the ever changing retirement needs of our international Members and provide

  • Membership to all Nationalities
  • An independent Trustee who holds assets on your behalf
  • Assets held on a non-vested basis
  • Tax Free growth on assets held within the trust
  • Regular Premium & Lump Sum Contribution Options
  • No Income Tax on Pension Distributions
  • Capital Gains Tax Deferral
  • No Inheritance Tax on Death
  • Multi-Generation Legacy Planning
  • No Forced Heirship
  • 100% Creditor Protection
  • Recognition in Civil Law Countries

Which factors should I consider?

The scheme most appropriate to you is determined by a number of things:

  • Your current residency status
  • Your previous residency status
  • Your Employment Relationship with the scheme sponsor or participating employers
  • If you are transferring benefits from an overseas scheme
  • If you making voluntary contributions from income

Pension Security

There are two Soteria Pension Schemes, both of which can be viewed on Hong Kong Pension registrar’s scheme register and operate under the Occupational Retirement Schemes Ordinance (ORSO – Chapter 426, Laws on Hong Kong) all members of ORSO schemes are required to have an employment relationship with either the scheme sponsor or a participating employer.

Soteria Pension Scheme (SP)

  • A registered ORSO Scheme
  • Approved by UK HMRC under (Q)ROPS legislation
  • Recognised under the OECD Model Convention

Soteria Worldwide Pension Plan (SWW)

  • An exempted ORSO Scheme
  • Recognised under the OECD Model Convention

Additional Benefits

  • No Minimum Investment Term
  • No Surrender Penalties
  • No Regulatory Retirement Age (SWW)
  • No Regulatory Investment Restrictions (SWW)
  • Full Portability
  • 42 DTA’s that Hong Kong has in place
  • No Income Tax in HK
  • Open Architecture
  • Low Running Costs and much, much more

To find out more about the Soteria Pension

Get in Touch

Why Use a Hong Kong Trust?

Hong Kong is the world’s third largest financial services centre after London and New York. It has played a key role in helping China integrate with the global free market economy and today Hong Kong is a Special Administration Region (SAR) of China. However Hong Kong law is based on a British Common Law structure and its courts rigorously apply the Rule of Law. Hong Kong’s Trust Laws are amongst the most modern in the World.

Hong Kong is not a Tax Haven, it is well regulated and is engaged in promoting sound financial practices through its membership of global bodies. It contributes to the development of global pension standards through its chair of the International Organisation of Pension Supervisors Technical Committee.

In addition Hong Kong is listed as the freest economy in the world, with no Inheritance Tax and no Capital Gains Tax on pension growth, or Income Tax on pension distribution. It also has Double Taxation agreements, with 42 countries which makes it an extremely attractive and tax efficient place to grow and hold retirement funds

Advantages of Hong Kong

No Income Tax on Pension Distributions

No Capital Gains Tax

No Inheritance Tax

No Dividends Tax

No Tax on Interest Deposits

Common Law Jurisdiction

Highly Regulated


This website is for informational purposes only and does not constitute an offer or solicitation to sell any products or services presented here. Membership is not available to retail clients who do not have an employment relationship with the relevant employer. The operators of Soteria Pensions reserve the right to change, modify, add or remove sections of any content posted on the website at any time without notice and without liability. Those who access this site do so on their own initiative and are responsible for compliance with any laws or regulations applicable to them.

None of the information is intended to form the basis for any investment decision, and no specific recommendations are intended. If you would like investment, accounting, tax or legal advice, you should consult with your own advisors with respect to your individual circumstances and needs. Accordingly, this website does not constitute investment or tax advice nor a solicitation for investment in any security or life insurance product.

Any decision to proceed and apply to become a member is yours and yours alone. The Trustee of Soteria Pensions Schemes does not give advice on assets held within the Trusts. Their role is that of Trustee and Administrator only. The Soteria Pension Scheme and the Soteria Worldwide Pension Plan are Hong Kong ORSO schemes operating in line with Chapter 426 of the Occupational Retirement Schemes Ordinance. Hong Kong ORSOs are occupational schemes and are only available to those who have an employment relationship with the relevant employer.

Soteria Pension and Soteria Worldwide Pension Plan are Discretionary Trusts and not tax evasion schemes. Any attempt by a member to abuse Soteria Pension, Soteria Worldwide Pension Plan,their Trustee, Administrator and/or Promoters may result in the member losing recognition of their benefits. The relevant employers of the Soteria Pension & Soteria Worldwide schemes are Platinum Financial Services Limited (Hong Kong) and Platinum Financial Service Limited (China), both members of the Business Class Group of companies.

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