Workers and pensioners are being warned to double-check their tax codes or face being landed with shock bills that they cannot appeal. More than 20 million codes, which tell you how much of your income will be tax-free, are sent to 16 million people at this time of year. But already The Daily Mail has […]
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What is a UCIS?
UCIS stands for Unregualted Colletive Investment Scheme. They are funds that are not recognized or authorized by the UK Financial Services Authority. They are not subject to investment and borrowing restrictions aimed at ensuring a prudent spread of risk and as a result they can be less liquid than typical funds. Most UCIS do not offer […]
Financial Planning Action Point #4 – Have a “What if” plan.
It is safe to assume that all major corporations (including your own) have a plan in place (or are at least working on a plan) just in case the Euro breaks up. While they may protest to the contrary, we can also assume that most governments also have a plan for such a scenario. This […]
Where Can I Find Shelter? – 5 Tips For Surviving Market Volatility
Gains made in the first 10 weeks of the year have now been wiped out and a summer of uncertainty lies ahead. A combination of poor economic growth in key markets around the world and renewed concerns about the financial stability of the eurozone threatens to blow our investments off course once more. Many investors […]
Expat Action Point #3 – Update Your Contact Details
I recently came across a client with a UK life insurance policy. However, he hadn’t updated the insurer with his current contact details. In the mean time they wrote to him, using the address that they had on file which was no longer valid, to inform him that his premium was no longer sufficent to […]
Help!! I’ve Got 3 Work Pension Schemes, 2 Personal Pensions And I Can’t Keep Track of Them All – A Case Study
Like many workers who change jobs as they climb the corporate ladder, Paul, 42 years old, has lost track of a range of personal and work pension schemes. In the past 15 years, he has worked for 5 different companies in 3 different countries. He has also moved house seven times. He lives with his […]
Financial Advice for British Expats in Dubai
If you are a UK expat living in Dubai (or any of the other United Arab Emirates) and are looking for professional financial advice, we can help. We specialize in helping British expats with their financial planning and investment requirements during the time that they are living and working overseas – as well as continuing […]
Expat Action Point #2 – Rebalance Your Portfolio
Bank some of the gains on your winning investments and reinvest the proceeds in the areas that didn’t fare so well and are thus available at more favourable prices. Doing this on a regular basis will help you reduce the overall risk of your investment portfolio. [If you would like a qualified IFA to […]
Expat Action Point #1 – Nominate Beneficiaries
This week’s Expat Action Point applies if you have offshore investment policies (Generali Vision, Zurich Vista, Skandia Executive Investment Bond etc). If you have such plans, be sure to make use of the beneficiary nomination facility. This simple, yet frequently overlooked, form allows you to specify who you would like to receive the benefits of […]
Saving for Children
Junior ISAs (Individual Savings Accounts) were introduced in the UK last year. The concept is great. They provide a tax efficient means of building a lump sum of capital for your child for when he/she reaches adulthood. The bad news is that even if you are a British citizen, if you are not UK resident, […]
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- Generali Vision – Cooling Off Period
- What Is Time Apportionment Relief?
- DeVere Warn Against Pension Busting
- QROPS Provider in Liquidation
- What is a UCIS?
- Gold Suffers Worst Monthly Run for 16 Years
- What is a QROPS?
- Week in Focus – One Step Ahead
- Bond of the Week
- Warning: if the taxman gets your bill wrong it’s officially your fault
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The Expat IFA: Hi Mary, thanks for taking the time to get in touc…
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Mary: Do I get this time apportionment relief on a Gener…
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6 Ways To Wreck Your Retirement | Expat Financial Cents: [...] experienced with them. Derivatives, small ca…
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