In the European Union, occupational pension funds enjoy the advantages of free capital movement and the unrestricted provision of services. This freedom is reinforced by strict prudential standards to ensure adequate protection for pension fund members and beneficiaries. The E.U. accomplishes this through Directive 2003/41/EC, which governs the activities of all institutions utilising these freedoms.

An IORPS (Institution for Occupational Retirement Provision) is an EU-regulated pension scheme designed to provide retirement benefits to employees across borders. At ITC International Pensions, our IORPS offers flexible, tax-efficient solutions for internationally mobile individuals and multinational employers—combining strong governance, regulatory compliance, and seamless cross-border pension management under Malta’s robust financial framework.