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It pays to save regularly

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Saving is a great habit to get into

And it's even more important when you're living and working abroad.

Aside from the lifestyle and experience, many expats work abroad because the salaries can be significantly higher and taxes potentially lower, so it’s a great opportunity to save while you’re away.

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Find out everything you need to know about International Wealth Management

Save from 5 to 20 years

There are many kinds of plan available, some very flexible, others quite rigid. Choose the term that's right for you and we'll find the perfect plan.

Safe & Secure Locations

 Guardian only normally advises on UK Crown Dependencies.

Online Valuations

We don't advise you to pull up your vegetables to see how they're growing, but you can be in touch with your savings wherever you are in the world.
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This is even more important when you’re living and working abroad. You may not have a company pension plan, university fees can be a lot more expensive or you may wish to buy an extra home locally. Aside from the lifestyle and experience, most expats work abroad because the salaries can be significantly higher and taxes potentially lower, so it’s a great opportunity to save while you’re away.

Over time your savings will build up and, even if you just save the same amount, interest on interest soon adds up. This is called compound interest and even Einstein admitted it was the eighth wonder of the world. But, getting the most out of compound interest takes time which is why most regular savings plans are longer and need some positive discipline from you.

We will only show you plans that are available where you are living. We will let you know which plans have limited time offers and incentives so that you can make the most out of your plan from the outset. We ONLY use safe and secure locations, normally UK Crown Dependencies with transparent investor protection and regulation and we only compare reputable, recognised companies. Just tell us what you need and we'll show you what's available!

Frequently Asked Questions

How long should you save for?

It really depends on what you want to save for and how much you want to save. If you would like to retire in 15 years then choose 15 years but make sure whatever amount you save is something you can afford during that time. This helps you have a clear picture of your target amount in retirement which you can then manage over time.

If you’re earning a lot more for say the five years you plan to work abroad then it makes sense to save a larger amount but over a shorter period of time.

Dollar/Pound/Euro Cost Averaging?

This is the process of regularly saving the same amount, usually on a monthly basis, to smooth out the highs and lows of the market in which you’re invested. It’s also extremely useful as a means of saving if you don’t have a lump sum to invest.

The effect of pound cost averaging is that you're buying assets at different prices on a regular basis, rather than buying at just one price. And while riding out the movements of the market, you could also end up better off than if you invested with a lump sum. 

Let’s look at this in practice.

If you invested a £10,000 lump sum and bought share units valued at £10 each, you'd have 1,000 units. This would remain fixed unless you bought more units.

Now, if you bought £500 worth of share units per month over 18 months (£10,000 overall), you would buy 50 units in the first month.

If the unit price went down to £9.50 in the second month, you'd be able to buy 52 units, as the share units are at a lower price, and so on and so on.

If the unit price recovers to the original £10 your lump sum would not have grown, but a regular savings plan would have more units and thus more growth on your capital.

One potential downside of this is that if your savings continuously grow, you'll be missing out on some of that growth as not all of your money has been invested over the whole period. But then if your investments continuously grow then it’s not that bad a downside!

Talk to us

Saving regularly can be an easy way to achieve your long term goals.  Like a dripping tap, over time your savings really do add up without you realising it.  If you would like to discuss your long term savings goals 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’m very pleased & feel comfortable to be working with Guardian and find it an additional benefit that they provide informative workshops and some fun additional activities on top…at no additional cost!

Shawn Cramer - Maerskoil, Qatar

Hamzah is an approachable and professional individual, I would (and do) recommend him to friends and colleagues looking for savings plans of life insurance.
His diligence and support team positively differentiate him from the dearth of providers in the local market.”

Philip Horsford


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