Where to transfer UK pension when dual USC/UKC?

We'd like to transfer a UK pension to somewhere we'd have move investment and withdrawal options, but as a dual UKC/USC it seems like we have limited options for opening new accounts.

Ideally we'd like to be able to make a lump sum withdrawal, then put the rest in an index fund and withdraw ~4%.

Any ideas?

It sounds to me that what you are seeking is to place your pensions into a SIPP (Self Invested Personal Pension), is that correct? Investment options are usually very wide.

If so, there are plenty of UK SIPP providers, however many restrict access to USC's - some could argue (myself included) that this is discriminatory but good luck trying to take that one on! There are a few however that don't seem to have slammed the door shut.

I'm a USC/UK and have a SIPP with IWeb - which is part of Halifax Share Dealing and is administered by AJ Bell. I chose this because of low fees on higher amounts - their fees are fixed compared to many providers who charge a %age of fund value. You can trade online, a little bit clunky, but it has worked for me - biggest drawback is no App, but then at least I'm not paying for it.

Previously I've had a SIPP with Hargeaves Lansdown (Good but expensive with hidden fees), Fidelity Investments (was good, but they abruptly slammed the door shut on me being a USC when I tried to execute a trade while in the US!). I tried to look at Vanguard when they launched their SIPP and being a US based company felt it would be a good solution - perversely however they don't accept USC's!.

Here's a useful article (not written with USC's in mind however) that gives a useful table of charges - might be a good place to start:

https://moneytothemasses.com/saving-for-your-future/pensions/the-best-cheapest-sipps-low-cost-diy-pensions

It's really  case of searching and then trawling through their T&C's to see if they restrict access.

Good luck, let us know how you get on.

Smitch - many thanks, that's just what I needed to get started!

I am dual UK/US citizen, living in the US.

I consolidated several small UK personal pensions into a SIPP with AJ Bell. They had no issue doing this for a US citizen and resident. I saved considerably on fees and the transfer was very smooth. This was several years ago so you would need to check that AJ Bell still do this.

AJ Bell's service is excellent. They have a wide range of investment choices and it is easy to carry out all activity on-line.