To Stay or Not to Stay illustrates the considerations that influence how older BME people decide where to spend retirement. Based on research among Caribbean, Moroccan and white British people, it showed that some overseas-born people want to 'return' overseas when they retire but face significant barriers, such as 'frozen' state pensions and more expensive healthcare.

The report called for the government to ensure that those moving abroad can receive fully-uprated pensions and to re-think how people can receive repayment for the contributions made in the UK if they live overseas when retired.

The report was funded by the Nationwide foundation and is part of our wider programme of research on Older BME People & Financial Inclusion.