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Planning for your children's future...

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Safeguard your children's future

Guardian has been helping families just like you to meet the increasing costs of school and university fees abroad for over 20 years. So whilst you enjoy your career abroad, rest assured that your children are getting the best education possible.

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Find out everything you need to know about Education Fee Planning while you're living abroad


Home Status

It is unlikely as an expat that you will enjoy 'Home Status' meaning there is no cap on the amount universities can charge.


Remember your age!

How old will you be when they finish university? Do you want a significant drop in income at an age you should be enjoying the fruits of your labour?


Now and then

The cost of funding your children's education will be significantly more in the future than today. How will you pay if you don't save?  Loans? Selling assets?
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Having children is one of the most important things you will do in your life, it’s also one of the most expensive! As an expat in most parts of the world school fees will be an unavoidable expense. You want to give your children the best start in life from primary age to university and we can help you achieve it without it getting in the way of the rest of your lifetime ambitions.

There is no getting away from it, educating your children abroad can be an expensive affair! You want the best for them but don’t forget about yourself. If you don’t start planning now there may come a time when that pot of money you have saved for your retirement is suddenly needed to cover the cost of education, meaning just as you can finally relax and enjoy the fruits of your labour you actually find yourself back at square one. Ask yourself how old you will be by the time your children start university, often overlooked but vitally important. Careful planning and preparation means you can have your retirement and the kids can have their education, talk to one of our advisors today.

Moving your family abroad is no mean fete, you will have had so much to consider already and securing the best for your children is high up the list! The good news is that we have been helping families just like you to plan for their children’s education for over 20 years. There are plenty of options for you to consider and we can help to ensure that saving for your children’s future doesn’t impact on the present. To talk about your options and get plans in place today simply give one of our advisors a call, wherever you are in the world we are right here with you.

Frequently Asked Questions

How much does university cost as an expat?

If you don't qualify for 'Home Status', your children will be classified into tiers which determines how much you pay. There are NO limits to the charges universities can apply to 'overseas' students. Even if you are lucky enough to achieve 'Home Status', the fees remain far from cheap, leaving many students in debt before they even start work.

What kind of plan is right for you?

As an international worker, you will need a more flexible plan which allows multiple currencies and one that can adapt if you move. You may receive bonuses you would like to put towards your plan, but want to access if needed. There are numerous options.

Will I have to pay tax on my savings?

It really depends on where you are living when your children go to university. Our plans always aim to make you as tax efficient as possible. We will help advise you through how to best make withdrawals. Between now and then, your savings will normally grow tax free through what is known as 'Gross Roll-up'

What happens if I move?

As an international worker, this is quite likely. Therefore all plans are designed to be portable and in some cases you can even change the currency part-way through if you get paid in Dollar rather Euro for example, or want to spend in a currency to better suit you.

How much will I have to save?

At the moment it's not how much, but when. The cost of delaying by even a couple of years can considerably increase how much you need to save each month in the future. We can work out target funds, likely returns and cashflow forecasts with you.

How long should I save for?

There are a few factors which will decide this but you would normally plan to save up to the education start date of your youngest child. Most plans carry a minimum term of 5 years and a maximum of around 20 years.

Talk to us

Whether your child aspires to be a Fashion Designer 'en Paris' or an Engineer from Harvard, our Planners work with you to create a financial budget to ensure you have the resource available at the times you need it.  If you would like to plan for your children's success, contact your

Regional Office or call our Global Helpline on +41 22 710 7864

Don't take our word for it - What our client's have to say ...

“I have had the chance of working with Matthew over the past couple of years and he has always been readily accessible to discuss potential options across a range of financial services.

Arindam Varanasi

I look forward to a long and successful relationship with Guardian Wealth Management and have already recommended you to many colleagues.  Once again, many thanks.”

Thomas Hughes


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