Your UK State Pension Gets Frozen When You Retire Abroad

If you have worked in the UK for decades and paid National Insurance (NI contributions), you may not realise this major rule before you retire abroad. You could quietly lose £50,000–£70,000+ in UK State Pension increases over the next 20+ years simply depending on where you retire. In the UK, the State Pension usually rises yearly under the Triple Lock, but in some countries your pension becomes a frozen UK State Pension, locked at the day’s rate forever.
This video explains the UK pension abroad rules, which countries are uprated, and how to plan smarter for retirement planning overseas.

I break down:
✅ Which countries keep getting UK State Pension increases (uprated pensions)
❌ Which popular retirement countries will freeze your pension
📌 Why so many diaspora retirees planning to “go back home” get caught out
💡 The 3 smart questions you must ask before choosing where to retire abroad

📌 Watch next: How the UK government tracks you when claiming your pension abroad - https://studio.youtube.com/video/Hy2V...

⏱️ Timestamps (Chapters)
00:00 – The retirement mistake that can cost you £50k+
00:32 – Why I made this video (subscriber question)
01:06 – The bigger issue: what happens once the UK knows you’re abroad
01:26 – The truth about the UK State Pension abroad
01:34 – What the Triple Lock means in the UK
01:43 – How your pension changes when you retire overseas
01:54 – ✅ Countries where your State Pension STILL increases (good news!)
02:08 – Europe favourites: Portugal, Spain + why they’re smart retirement choices
02:48 – Comment check: is Europe your retirement plan?
03:01 – ✅ Non-European countries where pensions are still uprated
03:53 – ❌ Countries where your pension is FROZEN (diaspora warning!)
04:07 – Nigeria, Ghana, South Africa & more… the pension trap
04:17 – Australia, Canada, New Zealand (yes, even them!)
04:23 – Thailand shocker 😳
04:31 – What “frozen at the day’s rate” really means
05:02 – If you return to the UK later: what happens?
05:31 – How to think smarter before choosing a retirement destination
05:36 – The 3 key questions retirees MUST ask
06:00 – Thriving vs surviving abroad
06:20 – Like + subscribe if this saved you from a mistake
06:41 – Final question: where are you retiring to?

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