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Investing while you are overseas

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To boost your financial well-being

There are many financial benefits to being an expat and a whole host of offshore wealth management solutions that can help secure your financial well-being.

Making money is often one of the main reasons for choosing an expat career, making sure you keep it is our top priority.

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Understand the basics and some of the challenges you may face investing overseas.

Tax Efficiency

As an expat you may benefit from Double Taxation Agreements (DTA's) to reduce or eradicate any liabilities.

Choice & Flexibility

International finance means just that.  You now have  the world at your feet in terms of investment choice and currency and are not limited by structured policies in your home country.

Portability

As an expat it's quite likely that you will move throughout your career.  International investments can move with you and be restructured to take advantage regional regulation.
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One of the main attractions of investing overseas is the tax advantages that are often available. Your investment returns may be completely taxfree, or if they are liable for tax, chances are it will be at a far lower rate than you would pay at home.

A huge benefit of investing overseas is that there is far greater choice. There are countless investment products that are difficult to access in the UK, so overseas investments give you much more flexibility. Although choice of-course is a great thing to have it can also present you with poroblems; there can be such a thing as too much choice! That's where we come in, we are international financial advisors regulated in every juristiction in which we operate, our experts will know what is best for you depending on your atitude to risk, what results you are looking for, where you live and what your timescale is. We will make sure you get the very best from your overseas investments.

Overseas investments can also offer protection for you against fluctuations in currencies, which is great news for expats. GWM work with proffessionals who have worked hard for their and are not in the interest of losing it. For that reason we place your money in UK crown dependencies such as The Channel Islands, and the Isle of Man. The reasons we use these territories is because we are a UK based company and are therefore very familiar with the regulation. They are politically stable and offer the best protection, up to 90% of your investment and it's uncapped. On the odd occasion when it is not possible to use these areas we may use other European countries in which we have performed due dilligence and feel confident. Your money is our priority and protecting it is paramount.

Frequently Asked Questions

Is it against the law to manage my money in order to reduce my tax bill?

No. You are entitled to plan with your money to position you best for taxation, this is not tax evasion. Using overseas investment products in order to reduce your tax liability is completely legal. The savings that smart wealth management strategies can deliver can add up to tens or even hundreds of thousands of pounds, dollars or euros over your lifetime.

If I invest overseas, will my money be safe?

By adhering to the following guidelines, you'll have a much better chance of ensuring that your money is safe:

  • Don't invest in jurisdictions that are politically unstable
  • If you don't want to risk big losses, invest in lower risk options
  • Always transfer the money you're investing directly to the product provider, rather than through an advisor                                              
  • Choose a jurisdiction for your investment that is regulated by the relevant financial regulatory body - do your research

There are so many financial advisors around; how do I choose the right one?

When it comes to a good wealth management company, size really can  matter. Look at how many clients they've worked with, any testimonials that they can provide from customers past and present, and the number of transactions that they have carried out for their clients. Always make sure that your advisor is properly regulated – for example the FCA in the UK or the FSMA in Belgium, or any other relevant bodies in the jurisdiction from which they operate.

Where are the best overseas investment jurisdictions?

There's no definitive answer to this one; finding the right jurisdiction depends on your personal objectives. Some locations offer better tax benefits, while others will give you greater flexibility or a higher rate of investor protection. Our financial advisors at Guardian Wealth Management can show you the different options available and explain the specific benefits related to each jurisdiction.

Talk to us

Investing overseas can be a complex and any investment should be supported by qualified advice, independent risk profiling and investment management.  To see if you could benefit from saving overseas contact our 

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 ...

It is very refreshing to, at last, have an advisor who not only regularly reviews my investment with me but comes fully prepared with contextual notes of where the portfolio should be headed.

Mark Beharrel

After a fall out with a rival financial advisor outfit in Dubai. My previous experiences had been of pushy, arrogant people, however I found Jess to be a breath of fresh air in her approach.

Tim Kelham


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