The offshore pension market has long been dominated by high-cost, insurance-based plans sold on commission. Many of these legacy policies come with 20–25 year lock-ins, layers of hidden charges, and unrealistic projections. Most investors never complete the term, and the result is predictable — poor performance, illiquidity, and disillusionment.

​

Renascence has spent more than a decade unwinding these legacy schemes — recovering flexibility, reducing fees, and restoring control for clients who were tied into products that never delivered.

​

Our work has allowed us to identify the few genuinely effective international pension structures worth using today. Among them are modern, index-linked solutions that provide the returns of major indices such as the S&P 500, while offering capital protection and defined outcomes.

Unlike the traditional contracts of the past, these newer instruments are transparent, liquid, and engineered to achieve real alignment between investor and provider.

​

We coordinate directly with trustees, custodians, and global issuers to design pension arrangements that are:

– Flexible across jurisdictions and currencies
– Low-cost, with institutional pricing and no hidden commissions
– Strategic, integrating yield, protection, and long-term portability

​

For clients who have lived or worked in multiple countries, our role is to create one coherent pension strategy that consolidates assets, simplifies administration, and avoids the expensive traps that dominate the offshore landscape.