For US citizens leaving the US, good financial planning starts well before moving day. Your bank, your investments, your 401(k) and your tax filing all change once you live abroad. In this guide, I go through the main questions to settle before you go. Before I start,...
Certainty The principal advantage of a DB pension is that the benefits last as long as you. If you happen to live longer than average, then it’s up to the scheme to find the money to pay for this. Transferring your DB pension rights into cash and managing it yourself...
This is a question I was asked about when transferring your pension in their 30s Question: I have 65k in a private pension, I recently joined the civil service and have been offered a transfer into their DB pension scheme at a value of 8k. I'm in my early 30s and I'm...
Question and Answer U.K expat moving to New Zealand in regards to U.K. pensions I am in the process of sorting out getting some UK Pension money back to NZ (not much, just a few thousand pounds). I've been going through a company to organize the transfer and have now...
Offshore Bonds vs Global Platforms: The Key Differences Offshore bonds vs global platforms is one of the most common comparisons expats ask me about. Both can hold a wide range of investments, but they work very differently on tax, charges and flexibility. Here is how...
Pension freedoms give savers six options for taking their retirement cash such as taking 100% out, annuity as well as other options. The rules fundamentally changed the way you could cash in from your pension. To make the best of pension freedoms, you need to...
What is the lifetime pension allowance (LTA)? If your pension(s) fund has reached or is projected to exceed the lifetime allowance and you don't have any protection and you wish to retire or drawdown you’re 75, whichever comes first, you may face charges on your...
Our low-cost easy portfolio service for portfolios under $100,000 is aimed at giving those expats an easy portfolio guidline based on risk tolerance. I am now offering a portfolio option for those under $100,000 as these are built in model portfolios that will get...
How high net worth expats should balance a portfolio with the current inflation We have all seen it in the news and one of the knock-on effects of the big stimulus packages that took place due to COVID-19 are the fact that now central banks are coming to the...
If you don't want to do any extra work, stick to buying low-cost tracker funds, such as Exchange-Traded Funds (ETFs). You will probably do better than you would through a typically managed fund. That said, there are opportunities for investors to beat the market over...
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