Offshore Bonds and the Professional Expatriate

Improving your own situation with investment portfolios is tricky if you don’t know where to start, and if you’re the sort of person that moves about a fair bit, particularly from country to country, you may be interested to know that there is an investment solution for you that doesn’t give rise to complications when you move on to another country. Offshore bonds. 

But wait a minute, you say, is that legal? Obviously no ethical minded person wants to invest in a tax evading scheme, but you don’t need to worry about that; investing in offshore bonds isn’t about shady investments; it’s about creating a broader geographical accessibility for your investments. 

So your investments will follow you wherever you go? Pretty much. But that isn’t the only benefit of investing in offshore bonds. You’ll often find that your options are much more varied when it comes to offshore bonds because they aren’t nationally centric. So if you have a particular type of company you’d like to invest in, or you’d like to avoid investing in, a financial advisor, like those from Churchill & Partners, should be able to provide positive or negative screening in order to target or eliminate a suitable company for your investments.

But why do people initially choose to place their investments in an offshore bond? Offshore bonds actually provide a lot of security to the investor, and on top of that, they don’t accrue tax because they aren’t considered income. 

So what kind of things do people put offshore? Offshore investment bonds are wrappers that can hold a variety of different investment funds and because the wrapper is based offshore, the range of funds you have to choose from include anything from guaranteed return funds to government and corporate bonds.

Ultimately, investing in offshore bonds is a highly complex and complicated financial specialism of which financial advisors often have specific expertise in. So if you’re an expatriate of the UK you may be interested in improving your investment portfolio, and companies like Churchill and Partners can help you with heading in the right direction.

Don’t Leave it Too Late to Sort Your Will Out

There are so many things to worry about it daily life – your career, your relationship, your family and many other things besides – but there’s one thing that far too many people ignore until it’s too late. Organising a will is one of those things that just doesn’t factor in to the long list of priorities that most people have to deal with every day, and it’s for this reason that far too many families are left to deal with the financial mess of their loved one at a time when it should really be the last thing on their minds.

 

That’s why investing the time and energy into your will now is the best thing you can do with your family in the long run. After all, we never know when destiny will strike, and we all want to provide for the people we love most long after we’re gone. The reason so many people put it off is a simple one – we don’t want to think about a time when we’re not there for our children or our spouses – but that is also the reason why it’s so imperative for us all to take the time to provide for their futures.

It’s never too early to think about your will, and getting it out of the way means that you can get back to your life knowing that, if the worst does actually happen, then the most important people in your life won’t be left to deal with the consequences. With an independent financial planning company like Churchill & Partners, specifically designed for expatriates living outside of the UK, creating or reviewing your will is so much easier, and you’ll really have no excuse for putting it off further.

With over 70% of the popularity without a will, you don’t want to be one of the unlucky ones. Dying without a will means that your possessions may be distributed in a way that is against your wishes, but creating or reviewing yours now will avoid any unpleasantness after you’re gone. Don’t delay any longer – contact a service like Churchill & Partners for independent advice and guidance today.

Are you an expatriate?

Are you an expatriate? What would you say if I told you that you could exponentially improve your financial situation? Sounds a bit sketchy doesn’t it? I bet you’re thinking ‘what does this guy want in return?’ Well it’s no secret that everything comes at a price, but when that price is rendered moot by the return you get, well, we call that an investment. 

You see, there are companies such as Churchill and Partners who specialise in offshore bonds and how ex UK citizens can capitalise on the benefits that they offer. Again, a lot of people are wary of the ins and outs of wrapper investments. Offshore bonds are not illegal. They are simply exempt from income tax because they aren’t deemed an income making tool. 

To clarify, doing this isn’t tax dodging. This isn’t a loophole. It’s a legitimate resource for people like you who are looking to improve their investment portfolio, their children’s inheritance and improve upon an income by following advice that plans for the future. 

The problem that does arise with offshore bonds however is that they are complicated and knowing how to get the best out of one of the wrapper schemes requires a lot of knowledge and experience. These don’t come in a dummies guide or a wikihow page. These bonds cover an expansive area of economics and to both set one up and get the best out of it, expert help should be found. ‘Ah’, you say, ‘the catch.’

Not really, this is your opportunity to change the way your finances work. As with any investment, you have to spend a little money to make a lot. They also say that nothing in this life comes for free, but that’s not technically true; Churchill and Partners are just one group of specialists out there but they are willing to offer advice and demonstrate their approach to you free of charge, with no obligation to invest.

I won’t pretend that I have won you over for one second – the world’s a competitive place and unfortunately the amount of scams that are out there have left a lot of people unwilling to take the risk in some scenarios. That’s why Churchill offers free advice in person and doesn’t expect any commitment, we just want to share our ideas and help other people get themselves in a financially strong position. 

So don’t just believe what I have to say, go and give them a look yourself, listen to what they say and make a decision – do you want to exponentially improve your financial situation… or not?

Your Guide To Offshore Bonds

A lot of people don’t know about offshore bonds. And why should they? Nobody really talks about them. So we think it’s about time someone did. We want to talk about offshore bonds and you.

An offshore bond is an efficient tax wrapper that is designed to encompass a variety of different investments including unit trusts, OEICs, stock market funds and structured investments. They are often used by expatriate investors who have sought specialist expatriate financial advice. 

An offshore bond is, ultimately a highly efficient vehicle for investments.  Offshore bonds aren’t deemed income producing; therefore they aren’t liable to income tax – which is why a lot of expats choose to operate their portfolios through them. 

Offshore bonds can practically function as bank accounts. You can keep investment funds, shares, bonds and even cash within the bond. Providers of a bond will allow frequent withdrawals and you can even set up payments to and from the bond. The best providers can even provide a credit card too. 

The long and short of it is, that if you’re living and operating outside of the UK there are advisors that can give you the full background behind offshore bonds – and you really should talk to them, they’ve had their heads in so many books that they can’t wait to share the information they’ve found with you. 

Financial advisors, like those at Churchill and Partners and other companies, aren’t just sat there waiting for people to come seeking their advice – they’re busy keeping up to date with all the latest movements in the financial world, inclusive of how offshore bonds are working. It is important that financial advisors spend a significant portion of their time doing this because the complexity of finances requires meticulous research. If you are an expert in your field, you may know that you offer a service that other people couldn’t simply do in their spare time – the same applies to finances. If you want to do it right, you need a financial advisor.

So before you decide that you’re going to invest in an offshore bond talk to an advisor at Churchill and Partners, because they’re the experts and they can help you achieve your financial goals.

How to Prepare for Your Child’s University Fees

You might have meticulously planned out your finances from the very moment you decided to have children, but there really is nothing that fully prepares you for what will most probably be one of your life’s biggest expenses – your child’s university fees. At Churchill &Partners, they offer invaluable planning and advice about such matters, and they understand how important it is to plan for, not just your own future, but your children’s future too.

With school and university fees constantly increasing, planning for the future is more important than ever, and the competitive nature of the current job market means that it’s just as important to ensure your child has the best start in life. Fees to get them there can be an incredible, stressful wrench in your life if it is not planned out properly, and it’s important to seek informed help and advice during these preparation stages, understanding the importance of saving and making smart investments.

You’ll have to think about saving for living and accommodation expenses, books and study materials and travel as well as rising fees, making it paramount that you start planning for a secure future long before the time comes for your child to actually attend university. Putting in place a smart investment plan is the best way to do this, and Churchill & Partners can help you to do this. Attempting to gather the necessary funds to put your child through university only a couple of years before they attend isn’t often possible.

It’s exceedingly important that a plan be put in place long before it becomes an issue. Funding your child through university is a big financial decision, and should thus be treated the same as any other investment over the course of your lifetime. Everyone’s situation is obviously very different, but most of us are simply unable to fund such a big expense using our own savings or personal income. An education fees plan can be the only effective way of relieving this strain and ensuring your child’s educational future no matter what happens between now and then. Talk to Churchill & Partners today and discover how you can move forwards.