Important Notice: Our web hosting provider recently started charging us for additional visits, which was unexpected. In response, we're seeking donations. Depending on the situation, we may explore different monetization options for our Community and Expert Contributors. It's crucial to provide more returns for their expertise and offer more Expert Validated Answers or AI Validated Answers. Learn more about our hosting issue here.
When you return to New Zealand you can apply for your Scottish Widows pension to be transferred to a Qualifying Recognised Overseas Pension Scheme (QROPS). Under NZ law you are required to put 60% of the funds into a locked fund and 40% may go into a unlocked fund. You may then cash in the funds in you unlocked fund.
