Calling All Expats

Are you getting all the financial benefits of working outside your country of origin?

Did you know that people who work in popular expat destinations such as Switzerland, Singapore and the middle east who were not born there can take advantage of their position when it comes to investing for the future?

There are distinct financial benefits of working as an expat, or away from the country in which you were born. Many people don’t regard themselves as expats, but the dictionary definition of an expatriate is “one who has taken up residence in a foreign country”.

Definition of the word 'expat'

The word expatriate comes from the Latin word expatriatus. In medieval times, an expatriatus was someone who had left his or her home country to live somewhere else. Today, expatriates are considered to be people who are residing in their host country temporarily, with the ultimate intention of returning home at a later date. However, it is also the case that more and more expatriates have left their home country and found that they can experience a higher standard of living and a better of quality of life abroad and, for this reason, many of them never return home. Either way the terminology is relevant to today’s working expats.

For the purposes of issues relating to finance and taxation, the definition of the term ‘expat’ is ‘a resident investor living outside of their country of origin’ – regardless of what type of employment contract or professional environment they are involved with.

How this applies to expat finance

As long as the investor is based in the country in question at the time they open a new investment plan or policy, they can utilise offshore savings vehicles, and any new investments started while in the country they are working in will continue to benefit from the same tax advantages should they leave, even if returning to their country of birth in the future. This means that the investor would continue to reap the same tax-efficient investment benefits in perpetuity.

For clarity, utilisation of the term offshore simply means investing in jurisdictions which are exempt from the same taxes applied in an onshore environment, and what this certainly does not involve is the use of hidden bank accounts or the act of surreptitiously keeping money from the tax man.

On the contrary, what it gives you is:

  • The very best in international wealth management

  • high levels of statutory protection

  • portability

  • vast choice and tailor made solutions based on an investor’s individual circumstances

  • accessibility – offshore investments are perfect for those with a transient lifestyle who are committed to living and working abroad (particularly with regard to expat retirement planning)

  • flexibility of access to your savings and 24-hour secure access to valuations online

The type of vehicle which would usually be used for an offshore investment is an Offshore Bond – this is a wrapper containing many types of investment including unit trusts, OEICs, stock market funds, structured investments, etc. These are structured and tailor-made according to the client’s own preferences and risk profile, so each solution is unique to the client.

The use of these types of investment vehicles is now becoming quite widespread among the expat community, although it is not advisable to make an uninformed commitment – as with any financial products.

The selection and management of these investments is best operated by a specialist, independent financial advisor, as the complexities of choosing the right investment for you can be a daunting process.

How we can help you

This is where we come in, as the business of advising expat clients in ways which benefit only our clients is what we do, and we have a long list of people we have been working with in this way for many years.  

We focus only on providing independent financial advice for expats, as this is the area of expertise we have built up and specialised in - some of the products we deal with are explained in more detail on other pages of our site.

On this website we have included useful information on many of the investment opportunities for expats which are available in the marketplace, and how expat financial planning works in practice.  

Details of some of the products we provide can be accessed on our PRODUCTS page here.

We would very much appreciate the opportunity to demonstrate our approach to you in person, and there is absolutely no obligation or charge involved with spending just one hour with us for an exploratory meeting. There is no commitment from you – just a willingness to listen to what we have to say.  

There are many people out there wondering - how can I invest money as an expat?  We can help to guide you in the right direction, and give you completely impartial and independent advice on just what being an expat means and how it affects your finances.

And for a quick run down of how you can make expat financial planning work for you, read our slideshare presentation here:


Get in touch today either by phone +44 (0)1245 216030 or via our Contact Us page.

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