Offshore

Investment
Guide
For Expats
 Introduction

Overwhelmed by the number of offshore

investment products? Learn more about the basics
of investing abroad and using offshore investments
as a portable retirement plan.

With an ever-growing number of professionals

opting for a perpetually transient lifestyle, the
desire to invest offshore is increasingly popular.
No need to consider the highly unstable world of
cryptocurrencies; manage your investments
offshore instead.

Offshore investment can offer several benefits for

expats living and working abroad, and hence is
increasingly being considered by expats as a viable
investment solution to match their international
mobility, as well as a solution to portable
retirement planning.
 About Us

I work closely with my clients to help discuss strategies

on helping with a variety of Investment options, some
stated below:

investment strategy
Market Overview
Portfolio analysis
Tailor made investment
Investments over €100,000
Wealth management

As well as retirement planning where we look at the

following:

Private pension plan

Pension apartments
Transfer of assets
Builder model

My customers know me as an open and honest

advisor who gives them the best advice.

Maximilian Plank
 Benefits Of Offshore
Investment For Expats

The key driver of popularity for offshore investment

is that many expatriates want to avoid scattering
investments around the world. They lose track of
what is invested where and are, often, presented
with logistical issues when attempting to gain
access to, or manage, the investment after they
leave that particular place. They could also end up
inadvertently affected by political developments,
currency devaluation as seen with Brexit, or rapid
economic changes. Offshore investing irradiates
many of these irritations.

Furthermore, the tax efficiency of the international

investment centers is often seen as an added
bonus for those individuals who make use of these
investment areas.
 First, let’s look at what the term offshore does not
mean. It does not mean investing in a small, shady,
semi-legal island state somewhere where the rules
are informal, at best, and they could be here one
day, gone the next. Far from it.

Today’s offshore centers represent the very best in

international wealth management:

High levels of statutory consumer protection.

Investments are geographically portable and
manageable irrespective of where you move to
or from.
Often offer a much wider range of investment
funds and different investment choice.

Examples of these premier investment centers

include the Isle of Man and Channel Islands, or
European Union member states such as Ireland
and Luxembourg. All of these jurisdictions benefit
from stable governments, strong regulatory
controls, and measures to protect policyholders.
 Why Invest Offshore

When somebody decides to make use of an

international investment center for their financial
needs it is to get capital, which they already have,
working harder for them and thus generating a
return. Or, it is about redirecting a proportion of
their income, every month, to work towards
building a fund of money for the future to address
future financial demands such as retirement or
child university costs.

With inflation running over 5% and banks only

returning 0,01% , it’s imperative that your money
works effectively for you. Otherwise, you are in
effect losing money each year.

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 What To Invest Offshore

We have answered the question, as to why we would

invest offshore. The next question is what do we invest
into offshore?

When expatriates wish to invest, more often than not

they will make use of an offshore investment bond.
This is the most popular form of offshore investment
where you can make use of a wrapper in which you
can hold a variety of investment funds, such as unit
trusts. Because the wrapper is based offshore, there is
a wide range of different funds to choose from,
including:

- Guaranteed return funds

- Managed futures funds (these funds can make
money whether the markets are going up or down)
- Stock market linked: developed and emerging
markets
 - Commodities
- Government and corporate bonds
- Structured products

It’s the job of the financial adviser to recommend, in

consultation with you, which of the above, and in
what proportion, are right for you. This is based
upon, amongst other things, your attitude to risk
and volatility, investment time horizon, investment
experience, and age.
 Offshore Investment And
International Retirement
Planning

Offshore areas are a great way for someone to save

for his or her retirement, particularly for expats.
Regarding where and when you will retire, this is very
much dependent upon your situation at the time. It is
often difficult to plan where and when one will retire.
As such, the flexibility of offshore investment means
that you don’t have to make this decision until
retirement.

Offshore retirement plans (such as those available for

British pensioners) are geographically portable, so
they are unaffected as you move to different places in
the world. The plan stays in the same place, while you
move around, all the time growing tax free. It can be
the perfect solution to any expatriate’s long term
retirement investment needs.
 How The Retirement Plan
Works

Basically, you sit down with your financial adviser

and work out how much you need to save each
month to hit your target retirement fund and
then invest this money, each month, into your
plan. This money is then further divided across a
variety of different underlying funds.

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 Downsides To Offshore
Investing

There was once one major downside with offshore

investing: communication with offshore investment
centers. Based in overseas jurisdictions, the methods
for communication often delayed decisions and
caused anxiety for many investors. This was a big
headache when dealing with an investment center in
a time zone far, far away.
 Tax Advantages To
Offshore Investing

With offshore investing, the tax advantages are

more about tax control rather than tax avoidance.
Because your investments are based in a tax-neutral
investment area, you are normally able to decide
where you pay tax on your investments.

For instance, imagine that you have been paying

€500 a month into an offshore retirement
investment plan for 20 years. Now in the nineteenth
year of the plan, you’re looking forward to accessing
your nest egg and putting your feet up during your
retirement. You are now resident in Ireland and have
accumulated some gains payable on your
retirement investment plan.

So, what can we do to limit our tax liability? Well,

what you can do is establish your tax residence
elsewhere and in that place cash in the investment. .
 For example, you decide to take a consulting job in
the Netherlands to top-up your final retirement fund.
You’re not putting your feet up just yet; but, as the
Netherlands does not impose a capital gains tax on
investments, you could cash in your investment while
resident there. Upon returning to Ireland, you would
have availed yourself of any Irish tax liability

Offshore investments offer a portable solution to the

transient expatriate looking to invest and make
financial plans for the future, without the
inconvenience of re-establishing an investment plan
every time they change jurisdictions. The offshore
plan moves with you.

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