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{"id":44,"date":"2021-11-01T09:34:05","date_gmt":"2021-11-01T09:34:05","guid":{"rendered":"http:\/\/britishexpatriates.com\/?page_id=44"},"modified":"2021-11-01T11:44:52","modified_gmt":"2021-11-01T11:44:52","slug":"expat-investment","status":"publish","type":"page","link":"https:\/\/britishexpatriates.com\/index.php\/expat-investment\/","title":{"rendered":"Expat Investment"},"content":{"rendered":"\n
Expat Investment Options<\/h2>\n\n\n\n
What are the best expat investment options for British expats who permanently live abroad?<\/p>\n\n\n\n
Most expats opt to set up an offshore investment bond, also known as an “investment wrapper” to hold all their stocks, shares, bonds, etfs and other assets for tax efficiency and security.<\/p>\n\n\n\n
In order to set up an insurance bond, you are required<\/strong> to set it up through a qualified financial adviser. They will help you tailor an investment portfolio that will suit your goals in life.<\/p>\n\n\n\n
What is an Insurance Bond?<\/strong><\/p>\n\n\n\n
An offshore insurance bond is an investment wrapper which is held offshore in the Isle of Man or Mauritius.<\/p>\n\n\n\nIsle of Man TT Race<\/figcaption><\/figure>\n\n\n\n
There is a wide range of investment instruments such as unit trusts, discretionary managed funds, gold funds, property funds, shares, bond funds, ETFs and even cryptocurrency trusts. <\/p>\n\n\n\n
You can invest in Pound sterling (GBP), Euro (EUR), United States dollar (USD) Swiss franc (CHF), Australian dollar (AUD), Hong Kong dollar (HKD) and Japanese yen (JPY).<\/p>\n\n\n\n
Why invest in an offshore insurance bond?<\/strong><\/p>\n\n\n\n
Money sitting in a bank account usually earns a small rate of interest which is less than the inflation rate, so money sitting idle in a bank is basically losing its spending power.<\/p>\n\n\n\n
For example, the inflation rate is 2.5%, that means the price of goods in the economy goes up by 2.5% per year, but your bank is only offering you 1.0% interest per year on your money deposited in a bank, so you are losing your spending power.<\/p>\n\n\n\n
It is better to invest that money into a discretionary managed fund which can earn you single or double digit returns over a 10 year period.<\/p>\n\n\n\n
If your investment bond makes 7% per year, your money will double every 10 years.<\/p>\n\n\n\n
An insurance bond stops you from spending that money. It is earmarked for a later date or retirement.<\/p>\n\n\n\n
Your money is also secure. Nobody can steal that money. In order to cash in your bond, both you and the financial adviser need to sign off on a dealing instruction, providing you with security and peace of mind.<\/p>\n\n\n\n
Do I NEED<\/span> Insurance?<\/strong><\/p>\n\n\n\n
![\"\"](\"http:\/\/britishexpatriates.com\/wp-content\/uploads\/2021\/10\/isle-of-ma-tt.jpg\")