Offshore Investments
If you live and work in a foreign country it
should be possible to
benefit from significant tax advantages when it comes to
investing your money offshore.
Many offshore investment funds grow tax
free, greatly enhancing the value of the fund at maturity. Most
offshore plans will give the option of lump sum contribution or a more
regular commitment, subject to a minimum amount.
Offshore Investments - Risk Profiles.
One of the most important factors when considering an offshore
investment product is your attitude to risk. Are you a cautious
or adventurous investor, do you want to protect your initial
investment or are you willing to take a greater risk with the
potential of more substantial gains?
Offshore Investment Funds are graded to help you with the fund
selection. These funds typically fall into one of the following
categories:
|
1. |
Funds offering conservative return
similar to money market rates. |
|
2. |
Low risk investment funds offering
security and potential growth. |
|
3. |
Funds that take a balanced
approach to investment by holding a diverse portfolio of
assets. |
|
4. |
Focused equity exposure providing
good growth potential with the risk of short term
volatility. |
|
5. |
Aggressive funds balancing the
risk of high volatility with the potential of high capital
growth. |
|
1
= low risk 5 =
high risk |
Offshore Investment Plans & Charges.
It is important to understand the charging structure of a
savings plan or investment fund. Fund charges vary greatly
depending on the type of plan taken, for example charges may be
taken in the first few years or spread more evenly over the
investment term. There may be penalties which could have a
dramatic effect on the funds surrender value if contributions
are stopped or if you need to get at your money earlier than the
minimum term.
Offshore Investments Specialist
Advisor.
Because there are literally thousands of offshore investment products
available it is vitally important to seek impartial advice
before fund selection. We specialise in advising Expatriates
on savings and investment plans being completely independent of
any bank, financial institution, insurance company or fund
management house. Please talk to us to discuss the options,
we’re here to help.
The FSA do not regulate some forms of offshore investments.
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