Saving
Financial Planning for the big events in life such as retirement, education, or your home, can be difficult.
Saving regularly can help you realise your dreams.
A structured approach to building wealth
Retirement Planning
Life as an expat comes with lots of expenses but it also means there are no institutionalised pensions or state contributions… yet. The responsibility of saving for your retirement lies with you alone. What is your retirement plan?
Education Planning
Anyone that’s has paid school fees knows the pain of having to pay for this out of pocket. Whilst it may seem far away saving a small amount of money each month for your child’s future education can go a long way.
Home Purchase
As an expat deposit can be up to 40% of the purchase price, therefore it’s important to start saving early and use compound interest to your advantage. We are able to help with investments and property investments, whether you’re looking to buy locally or abroad.
General Savings – Lump Sums
Whatever else you may want to save for – we are here to help. Speak to one of our advisers today and find out how you can capitalise on the tax-free environment. Or if you already have a portfolio how you can make this grow. Get in touch for more information.
Investment Planning
Invest in a smart diversified portfolio designed specifically to meet your needs.
You have worked hard for your money, let’s make it work for you with our investment planning.
Why should I not leave my money in the bank?
Leaving cash in the bank is an important step, but once you have saved up an emergency fund, any more wealth should be invested.
Low interest rates mean that inflation constantly eats away at the value of your money. $1000 today will be worth $970 in a year, and over time this can significantly decrease your wealth.
What is the alternative?
This will depend on your appetite for risk and time horizons.
As an expat due to the tax free environment, you have tools at your disposal which make investing now incredibly attractive and potentially immensely lucrative in the future.
Depending on your future residency plans, you can also structure your investments to take advantage of tax planning.
How can Wealth Bridge Management help?
Whether you have an existing investment portfolio or want to start your investment journey, our team of qualified independent advisors can help.
With access to world-leading platforms, funds, and products across a variety of currencies and markets we can tailor a solution to your needs. Contact us for more details.
Estate Planning
Passing on your wealth as an expat can be complicated. Be it wills, trusts, gifts, or tax. Ensure your assets are protected through proper succession planning.
As an expat if you are potentially exposed to UK Inheritance Tax – speak to our estate planning specialists to see if you can minimise your tax bill.
This information is specifically formulated for UK expats or for individuals with UK assets. If you would like advice for any other nationality please contact us and we will get a specialist advisor to get in touch.
What is Inheritance Tax?
Inheritance tax is a levy on the total value of lifetime gifts and assets (including the main residence) passing between owners on death.
Cumulative transfers are taxed at 40% on death, although the first £325,000 is free from inheritance tax.
From April 2012, a reduced inheritance tax rate of 36% was introduced where 10% or more of the estate is left to charity.
Since October 2007, UK domiciled and deemed domiciled spouses and civil partners have been able to transfer their unused nil-rate-band allowances, in effect doubling the amount that can be passed on tax free.
Any part of the nil-rate band not used when the first spouse or civil partner died can be transferred to the individual’s surviving spouse or civil partner for use on their death. This change was applied retrospectively for any living widow or widower.
Why is it so complicated?
UK Inheritance Tax has been developed and tweaked by successive governments to add in allowances, limits, and adjustments.
To add to this there are an equally complicated number of ways to legally minimise your tax bill by structuring your estate properly. Speak to one of our UK tax experts today who can help guide you through this process. Contact us for more details about estate planning.
Business
Our Business Team will guide you through the world of raising finance – we have a panel of lenders from across the world for raising finance and also investing in long- term business projects.
⦁ Business Finance
Commodities
Wealth Bridge Management has an independent commodity trading arm.
We have worldwide activities in the sourcing, transporting, storage and financing of Sugar, Coffee, Cocoa and other commodities. Our success is built upon knowledge of the market, reliability and independence.
We strive to be a reliable and competitive partner, working to contribute to our customers’ and suppliers’ expansion and development.
Our goal is to develop long term relations with our clients based on mutual trust, personalised service and sound and timely advice.
Our team have acquired extensive knowledge about the commodities we trade, from the field to the table.