IVCM

What IVCM does

IVCM is a privately held, Sydney-headquartered financial services provider that specialises in cross-border pension transfer solutions for British expatriates. The company operates a portfolio of HMRC-listed Qualifying Recognised Overseas Pension Schemes (QROPS) and Qualified Non-UK Pension Schemes (QNUPS) across Australia, Gibraltar, and New Zealand — the Australian Expatriate Superannuation Fund (AESF), the Gibraltar QROPS and QNUPS, and the IVCM (NZ) PIE Superannuation Fund (QROPS and QNUPS). AESF is the only Retail Superannuation Fund in Australia on the HMRC ROPS list, a status held continuously since 2016, and operates as a division of the APRA-regulated Tidswell Master Superannuation Plan. The core technology stack is built on licensed third-party infrastructure: Praemium for multi-currency (GBP, AUD, USD) investment administration, AFEX for foreign exchange, and SuperStream for employer contribution compliance — with IVCM providing the regulatory wrapper, adviser-facing content, and transfer orchestration.

The company serves British expats relocating to Australia, New Zealand, Gibraltar, and other jurisdictions, helping them consolidate UK pension savings into regulated overseas schemes without triggering the 40% unauthorised member payment charge or the 25% Overseas Transfer Charge. Revenue is generated through one-time establishment and transfer fees (AUD $595 + AUD $195 per transfer for AESF; NZD $495 per transfer for the NZ PIE Fund) and ongoing annual charges of approximately 1.22% on invested assets via Praemium. Distribution is sales-led through a network of regulated financial advisers who produce mandatory Transfer Value Analysis Reports (TVAS) for defined benefit transfers; direct-to-consumer activity is limited to content marketing, eligibility checks, and meeting bookings. The firm maintains five legal entities across Australia, Gibraltar, New Zealand, UAE (Ras Al Khaimah marketing arm), and the Philippines (operations support), employs 101-250 staff, and is privately held with no disclosed institutional investors, funding rounds, or M&A activity. AESF has accumulated more than 3,000 members since 2016, and the company markets itself as 'International Retirement Solution Specialists' with an explicit low-fee, no-hidden-charges value proposition.

Name

IVCM

Legal name

IVCM

Website

https://ivcm.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

IVCM is a Sydney-based, privately held financial services provider operating HMRC-listed QROPS and QNUPS products across Australia, Gibraltar, and New Zealand. It serves British expatriates seeking to transfer UK pension savings to regulated overseas schemes, distributing exclusively through regulated financial advisers with Praemium-powered investment administration.

Ownership category

akta.pro rank

Product category

International Pension Transfer & Expat Retirement Solutions

NAICS

Pension Funds (52511), Pension Funds (525110), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAAAAAJ

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail)

Financial & Insurance/Asset & Wealth Management/Retail & Mass-Affluent Wealth Management

SECONDARYFSAEABAD

Retirement Income Planning & Decumulation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Expatriate pension transfer
• QROPS solutions
• International retirement planning
• UK pension transfer
• Expat superannuation funds

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. AESF Establishment and Transfer Fees: IVCM charges establishment and transfer-in fees for the Australian Expatriate Superannuation Fund. These are one-time fees levied at account opening and per transfer, covering the administrative cost of setting up accounts and processing pension transfers.
2. NZ PIE Superannuation Fund Fees: IVCM charges a one-off fee of $495 NZD for processing UK pension transfers to the NZ PIE Superannuation Fund, plus ongoing annual investment management charges (e.g., approximately 1.22% for Vanguard LifeStrategy fund investments).
3. Low Fees with No Hidden Charges: IVCM markets its services with low, transparent fees and explicitly states no hidden charges across all its products, indicating a fee-based revenue model where ongoing charges are kept competitive to attract and retain clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

IVCM provides regulated, multi-jurisdiction retirement and pension transfer solutions for British expatriates, including QROPS in Australia (AESF), Gibraltar, and New Zealand, plus QNUPS in Gibraltar and New Zealand. The company enables UK pension holders to legally transfer funds to overseas superannuation schemes without triggering the 40% unauthorised payment charge, offering multi-currency investment options, tax-efficient retirement structures, and consolidation of multiple UK pensions into a single plan. All business is accepted through regulated financial advisers rather than direct personal advice.

Product overview

IVCM offers a portfolio of international retirement planning solutions across multiple jurisdictions. The core products include QROPS (Qualifying Recognised Overseas Pension Schemes) in Australia (AESF), Gibraltar, and New Zealand, as well as QNUPS (Qualified Non-UK Pension Schemes) in Gibraltar and New Zealand. AESF operates within the Tidswell Master Superannuation Plan and provides access to investment options through Praemium. All products are licensed and regulated in their respective jurisdictions and focus on facilitating UK pension transfers for expatriates.

Differentiator

Problem solved

Functional benefit

Brands

• Australian Expatriate Superannuation Fund (AESF): Retail superannuation fund with QROPS status for transferring UK pensions to Australia. Operates as a division of the Tidswell Master Superannuation Plan.
• IVCM Gibraltar QROPS
• IVCM Gibraltar QNUPS
• IVCM (NZ) PIE Superannuation Fund

Products and services

• Australian Expatriate Superannuation Fund (AESF) A retail superannuation fund with QROPS status that enables UK expatriates in Australia to transfer eligible UK pension savings. Operates as a division of the Tidswell Master Superannuation Plan, providing access to investment options through the Praemium platform. Supports more than 3,000 members. Features tax-free benefits from age 60, fund growth taxed at 15% concessional rate, multi-currency investment options (GBP, AUD, USD), and transfer within 6 months of Australian residency yields tax-free growth during that period.
• IVCM Gibraltar QROPS A Qualifying Recognised Overseas Pension Scheme established in Gibraltar, regulated by the Gibraltar Financial Services Commission. Allows non-UK residents to transfer UK pension funds with benefits including 2.5% tax rate on income at source, 30% tax-free pension commencement lump sum, no Double Taxation Treaties, and exemption from the 25% Overseas Transfer Charge for EEA residents. Death benefits are paid free of Gibraltar tax.
• IVCM Gibraltar QNUPS A Qualified Non-UK Pension Scheme in Gibraltar offering tax-efficient retirement savings with features including no tax on investment growth, no UK inheritance tax on death, and flexible investment choices including property and physical assets. Targeted at clients who hold pension funds outside HMRC QROPS scope.
• IVCM (NZ) PIE Superannuation Fund (QROPS) A New Zealand-based Qualifying Recognised Overseas Pension Scheme that enables transfer of UK pension funds. Features include 0% tax on income withdrawals for non-residents (PIR=0%), no Inheritance Tax, flexible access from age 55, and 4-year tax-free transfer window for new NZ tax residents (transfers within 4 years of becoming an NZ tax resident are exempt from the schedule method tax). One-off transfer charge of NZD $495; ongoing annual investment charges apply (e.g., ~1.22% for Vanguard LifeStrategy).
• IVCM NZ PIE Superannuation Fund (QNUPS) A Qualified Non-UK Pension Scheme in New Zealand offering tax-efficient retirement savings with no tax on investment growth, no inheritance tax on death, and flexible investment options including property and collectibles. Targeted at clients who hold pension funds outside HMRC QROPS scope.

Quantifiable outcome

• AESF has supported more than 3,000 members
• +6 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• PraemiumcoreTechnology or IntegrationAESF uses the Praemium platform for investment administration, providing clients with a broad range of investment options and an online client portal for account management. This platform integration enables IVCM to offer a professionally governed investment infrastructure within the AESF product.
• Diversa Trustees LtdcoreOthersDiversa Trustees Ltd serves as the trustee of the Tidswell Master Superannuation Plan, within which AESF operates as a division. The trustee oversees fund governance, compliance, and regulatory obligations, providing independent fiduciary oversight of the AESF product.
• AFEXsupportingTechnology or IntegrationAFEX handles currency exchange for pension transfers arriving in Australia, managing the conversion from GBP to AUD when UK pension funds are transferred into AESF accounts.
• Saturn Invest New Zealand LimitedcoreOthersSaturn Invest New Zealand Limited is the authorised entity managing the IVCM (NZ) PIE Superannuation Fund. It collects and uses applicant information for the fund's operation and holds information securely for developing and running the fund.
• Tidswell Master Superannuation PlancoreOthersAESF operates as a division of the Tidswell Master Superannuation Plan, a public offer complying superannuation fund registered and regulated by APRA. The plan appears on HMRC's ROPS list, enabling QROPS status. IVCM (Aust) Pty Ltd is the promoter of AESF.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AJ Bell: AJ Bell operates one of the UK's largest SIPP platforms, often considered as an alternative to QROPS for UK expats who retain UK residency. Comparable retirement-savings product offering, broader scale, and as an incumbent UK retail pension provider.
• Hargreaves Lansdown: Hargreaves Lansdown is the UK's largest retail investment platform offering SIPPs and pension products that compete indirectly with QROPS transfers. Comparable as a UK retail pension provider but at vastly larger scale and broader scope.
• Tilney / Evelyn Partners: Evelyn Partners (formerly Tilney) is a large UK wealth manager offering QROPS among a broader portfolio of wealth and financial planning services. Comparable QROPS capability but as part of a much wider wealth management offering rather than a specialist expat transfer firm.

Direct peers

• Blevins Franks: Blevins Franks is one of the largest QROPS and international pension transfer providers for UK expats in Southern Europe and beyond. Directly comparable to IVCM in targeting British expats with cross-border pension solutions, QROPS advisory, and multi-jurisdiction delivery.
• Hoxton Capital Management: Hoxton Capital is a UK-based expat financial adviser with strong QROPS offerings across jurisdictions including Gibraltar and Australia. Comparable service model of advising UK expats on QROPS transfers and pension consolidation.
• AES International: AES International is a Dubai-headquartered expat wealth advisory focused on QROPS and pension transfers for UK nationals abroad. Comparable business model of cross-border retirement planning and expat financial advice.
• David Banner Financial Group: David Banner Financial Group provides QROPS and pension transfer solutions targeting British expats across multiple jurisdictions. Comparable QROPS intermediary and adviser-channel business.
• Skybound Wealth Management: Skybound Wealth specialises in financial planning for expats including QROPS transfers across multiple jurisdictions (Australia, NZ, Gibraltar, Dubai). Directly comparable niche in expat retirement advice and cross-border pension transfers.

Others

• Currency Solutions (FX partner): Currency Solutions is a UK FX broker used by expats transferring UK pensions overseas. Comparable in serving the cross-border pension transfer journey, but as an FX/enabling partner rather than a competing scheme provider. IVCM itself uses AFEX for this function.

Regional players

• Capital International Group (Isle of Man): Capital International Group is an Isle of Man-based provider of QROPS and international pension schemes, similar in regulatory positioning and product type to IVCM's Gibraltar offering. Comparable in QROPS product structure, though serving different expat geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/IVCMCOM
• Facebookfacebook.com/ivcmcom
• LinkedInlinkedin.com/company/ivcm-com

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IVCM