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[Music] hi my name is james rayburn a private client advisor at harrison brooke and today were going to run through defined benefit transfers particularly for those who are no longer uk resident run through potential options with respect to an international sip or cure-ops and also look at what it might cost and how long the process can take typically there are two types of pension schemes in the uk a defined contribution and a defined benefit scheme a divine defined contribution is far more common its when its unit linked so you know each contribution is used to buy into an investment fund whether its a tracker and actively managed then your pension bot goes up and down in line of market conditions defined benefit is slightly different and quite unique in the sense that its going to pay you a guaranteed income for life for as long as you live and that will depend on a variety of factors including the contributions you pay into amongst other things mortality rates and government