Tax Efficient Investing

Tax-efficient investing is a key area for anyone looking to generate capital growth or income within their portfolio. The importance is magnified for an expat due to the additional factors to consider, such as current location, future intentions and the tax rules and regulations of the country you reside in.

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Tax-efficient investing is a key area for anyone looking to generate capital growth or income within their portfolio. The importance is magnified for an expat due to the additional factors to consider, such as current location, future intentions and the tax rules and regulations of the country you reside in.

Taxation for expats

Depending on the country in which your investments are held, the type of product utilised and your tax bracket, the amount of tax due will vary. With regards to where taxes are paid, withheld and claimed back, this is relatively simple.

The majority of countries have Dual Taxation Agreements (DTAs), which dictate how your investments will be taxed and where. Subject to there being a DTA in place, by obtaining the right tax code you can receive any withdrawals as gross payments and pay the relevant taxes where required.

Tax-efficient investing for settled expats

Once settled in a country, there are often locally compliant solutions that offer significant tax benefits, including the reduction of capital gains, income and social security taxes. However, some countries have jurisdictional risk to consider, where it may be best to utilise FCA or SEC regulated products to negate this.

Tax-efficient investing for transient expats

Tax-efficient investing for expats with a transient lifestyle can be defined by two words: regulation and flexibility. Regulation equates to protection for the investor, which is often a concern when moving to different countries throughout your working life.

Flexibility is key in both contributions and withdrawals, in terms of offering tax efficiency in both growth on the portfolio and when drawing a lump sum or income.

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Video FAQ

For more information on this service/blog, please watch our FAQ video below. You can also find more video guides on expat financial planning on our YouTube channel.

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