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GALICIA

OPINION: The greatest challenge of moving to Spain was leaving friends and family behind

Leaving friends and family behind to move abroad is tough. But making new ones is one of the great joys of migrant life. Heath Savage discovers there are like-minded souls in Galicia.

One of the greatest challenges we faced when we moved to Galicia was leaving our families and close friends behind.

I think that those we love are never truly absent from us, the bond is eternal; but having said that, there is no substitute for the company of the ones we cherish.

Sometimes, an email or ‘phone call just doesn’t hit the spot. Leaving loved ones is as much a bereavement as when they leave us, and nothing can prepare you for that hollow feeling that engulfs you, when you are feeling a bit “ordinary”, and someone you wish was beside you, isn’t.

I’ve been a new kid on the block my whole life, since I was five, and we emigrated to Australia. I’ve lived on three continents, and went to eleven schools. I’m inclined towards introversion, but I like meeting interesting people. People up sticks and move to new countries, whether permanently or temporarily, are not really run-of-the-mill, and, on the upside, I have met some far-out characters on my travels.

Downside: I am also able to walk away from people fairly easily, and I often fail to see that the connection we made might be valuable to them. It’s a self-protective shield that I have carried for a long time. A few of the same old buddies have travelled with me in my emotional back-back through the years, and it certainly requires some effort to maintain these long-distance relationships.

The relatively modern luxuries of email, and social media make it seem pretty easy, and certainly, the frequency and means of contacting people has changed enormously in my lifetime. But nothing beats actually hanging out with your favourite crew.

When some of my family travelled from Sydney to western Australia, to work in the opal and iron ore mines, back in the 1960s, we would flock around their infrequent letters like gulls, reading and re-reading them to absorb the essence of the ones we missed so much.

A trip across the country to the west coast back then was not an option. We didn’t even have a telephone in our home, so a chat was also out of the question. Family who lived in the USA would also write to us, on wafer-thin airmail letters; and sometimes more bulky envelopes would arrive, containing photographs. These were treasured, and we longed for them.

Those cousins, whose awkward high school photos we cooed over so long ago, are grandparents now, and we share all of our family photos and videos on social media. ‘Phone apps enable us to speak face to face for free. But it is the rare visits that still thrill us all the most. A cousin whom I haven’t seen in 33 years is visiting Galicia in June.  I pity our other halves!

One of my oldest friends visited in October last year. We sat by the fire sampling single malt whisky from the Scottish island he has retired to, listened to the world folk music that we both love, and has been our common bond since we met, and argued respectfully, from our polar political corners, exactly as we did nearly forty years ago.


Photo by Marcus Woodbridge on Unsplash

 

Back then, as hard-up students, we couldn’t afford single malt whisky, so we had to put the world to right drinking Bulgarian wine (I think it was wine. It said it was wine on the label) that melted our teeth and stained our lips black. The hangovers were vicious. 

The conversation was mighty though. Back then, I posed in dungarees, berets and Breton fishermen’s shirts (my French literature and existentialism phase) while my friend sported a fungal-looking beard, the same colour as an orangutang’s armpit, and an “Atomkraft? Nein Danke” badge.

These days we’ll both wear anything with an elasticated waistband. My mate has finally shaved off his beard, because some kid in a department store last December asked him if he was Santa Claus. We are still the same people to each other.

We’ve been friends through work problems, divorces, health scares and the loss of parents. Which brings me to new friends, with whom I share no such history, but we do all share the experience of being new kids on the block later in life, and we share our humanity, with all its vulnerabilities, frailties and failings.

As ex-pats/migrants (delete as applicable), we might perceive the locals we meet as people who have never been “foreign.” We may see them as a people so steeped in their local tradition and family that they cannot be empathic to our experiences of migrant life.

And we would be wrong to do so. Galicia endured a massive diaspora; lost many of its sons and daughters to migration, some of whom are now coming home to villages their families have inhabited for hundreds of years.

I have met a few, who spent their adult lives in Argentina, Canada, Germany, or the USA, pursuing opportunities that were not available here in their home country.

Like many migrants, they made huge efforts and sacrifices to succeed, and they did well for themselves. They’ve carried back a wistfulness that I have seen before on the faces of emigres who return to a home that has changed in their absence.

I wonder if their occasional feelings of emotional detachment mirror mine? I also wonder if their sense of coming home is in any way different, because they were actually born here? I wonder what makes any of us connect spiritually to a place and want to call it Home?

Is that same mystical connecting thread present when we meet new acquaintances? I think as newbies, we audition many people until we form our band. It’s a bit like being back at school or university: you spend your second year trying to lose some of the friends you made in first year!

There are exceptions. I am still friends with some of the chicas I met at awkward Freshers’ Week cheese and wine receptions in our halls of residence. We are going to walk the Camino Invierno together next year, as a reunion.

My partner and I have different tastes in art, music, literature and people. Back in Australia, we had our own friends, as well as those in common or inherited from each other when we got together. 

Here, we seem to be invited everywhere as a pair, so we are now sorting out whom we want to hang out with either collectively or individually. It is an interesting process.

We are also learning to say “no thanks” to some invitations to socialize, because sometimes we just get a bit “peopled out” with all the lunches and parties. But that is what some my more socially aware mates would call a “First World Problem.”

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PENSIONS

What Brits should know about SIPP and QROPS pensions if moving to Spain

This Q&A offers some key information on SIPP and QROPS pension plans for British pensioners thinking of retiring in Spain, to help them decide which option is better for them.

What Brits should know about SIPP and QROPS pensions if moving to Spain

Q: What are SIPPs?

A: SIPP stands for Self-Invested Personal Pension and is a UK-based pension plan. If you open an international SIPP then you can draw from this while you’re living in Spain.

Q: What is QROPS?

A: QROPS stands for Qualifying Recognised Overseas Pension Scheme. It allows you to transfer your UK pension out of the country. They are outside the UK tax regime, but must be inside the European Economic Area (EEA) if you want to avoid charges from HMRC. They also need to have similar rules and regulations to a UK-registered pension plan. Many QROPs from those wishing to retire to somewhere in Europe are transferred to Malta. As there is a dual tax treaty between Spain and Malta you will not be subject to Maltese tax when you draw your pension from there.

Q: What do I need to consider when opening a SIPP?

A: If you choose to open a SIPP, as it is self-invested, you will be responsible for managing it and making all the investment decisions. It is therefore best for those who already have some knowledge of investing or those who have the time and who are willing to put the work in to learn. It does, however, mean that you also have greater control and flexibility over your finances. You can choose to have the SIPP managed by a professional advisor, but of course this is an extra expense. Your SIPP could also be potentially subject to UK tax laws. 

Q: What do I need to consider when opening QROPs?

A: This is best for those wishing to cut all ties with the UK and permanently retire to Spain for the rest of their lives. You could lose UK domicile if you choose to do this and don’t have any other assets there, but it could mean you could also avoid UK inheritance tax. It’s also ideal if you wish your family also live outside of the UK

Q: I intend to return to live in the UK at some point in the future, which is best for me?

A: As SIPPs are UK-based, if you plan on returning there to live at some point during your retirement, that option is best. If you have QROPS, you could be subject to a large tax payment if you want to transfer it back to the UK.

READ ALSO: Six factors British people need to consider before retiring to Spain

Q: Which option will be cheaper for me?

A: SIPPs are generally cheaper than QROPs as you are managing it and investing yourself. If you choose someone else to manage it for you, however, this may not be the case.

Q: Will my SIPP be subject to tax in Spain?

A: Yes, if you are resident in Spain then you must follow Spanish tax regulations meaning that any withdrawals from SIPPs will be subject to income tax here. Pensions in Spain are subject to progressive tax rates ranging from 19 to 47 percent.  While SIPPs are also subject to UK tax rules, due to the double tax treaty between Spain and UK, you will not be taxed twice.

Q: Will my QROPS my subject to tax in Spain?

A: Yes, again if you’re resident in Spain you will be taxed on pension income. You must report income from a QROPS on your annual tax return. If you’re already a Spanish tax resident when you move your pension, it’s important to be aware that you’ll pay Spanish income tax on the whole value of the fund, therefore it’s much better to move it beforehand and then make your permanent move to Spain. 

Q: I want my pension to be paid in Euros to avoid exchange fees, which option will be best for me?

A: If you want to be paid in Euros, then QROPS will be the best as you will have completely transferred it out of the UK and into the EEA. This means that when you draw your pension, it will be paid out to you directly in Euros.

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