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I have been in Australia for 3 years now, we are quite settled and I am looking at transferring my assets. The problem is that I have no idea how to transfer my pension, I have spoken to a couple of friends that transferred their pensions over into something called an Offshore QROPS but they seemed to have paid quite high charges (e.g. 3-5% of the total pension) are there any cheaper options out there and is this the best option?