• Published On: October 16, 2024|5.4 min read|

    Advantages of Offshore Bonds for Non-Doms living in the UK

    One of the major announcements in this year’s Spring Budget was news that the current tax regime for ‘non-domiciled’ UK residents is changing. For ‘non-doms’ out there, it’s worth understanding what changes are being introduced – and when – and the implications from a tax perspective.

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  • Published On: October 16, 2024|4.9 min read|

    Pensions planning as an expat – Is a QROPS still the right move?

    More and more people are relocating for work or retirement. As a result, individuals moving overseas often prefer to transfer their UK pension benefits rather than leaving them in the UK. Likewise, those moving to the UK might want to bring their overseas pension benefits with them. Understanding the impact of such transfers is crucial.

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  • Published On: October 16, 2024|4.4 min read|

    How Offshore Bonds Can Help Non-Doms Navigate the New FIG Regime

    In recent years, changes in tax regulations have significantly impacted individuals who are classified as non-domiciled residents (“non-doms”) in the UK. The introduction of the new Foreign Investment Gains (FIG) regime is one such development that has created a new set of challenges—and opportunities.

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  • Published On: September 20, 2024|7.3 min read|

    How to Make National Insurance Contributions for Your State Pension While Living Abroad

    One important financial consideration you may overlook when you relocate is your UK State Pension. To ensure you're entitled to the full benefits upon retirement, it's essential to make sure you NI contributions are up to date.

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  • Published On: September 16, 2024|2.7 min read|

    How to structure your finances when you move abroad

    Moving abroad requires careful financial planning and organisation. Structuring your finances properly will help you avoid unexpected pitfalls and ensure a smooth transition. Here’s a guide to the key financial considerations and strategies to manage your money effectively when relocating internationally.

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  • Published On: August 22, 2024|1.4 min read|

    Investing in Stocks Versus Hoarding in Savings? It’s All About the Equity Risk Premium (ERP)

    Have you ever wondered why investing in the stock market can yield higher returns than just keeping your money in a savings account or fixed-term deposit? The answer lies in the Equity Risk Premium (ERP).

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  • Published On: August 18, 2024|1.2 min read|

    Inflation Made Real with Beers and Burgers

    From 1990 to 2023, the price of a pint of beer in the UK has risen from £1.22 to £4.45, and a Big Mac from £1.40 to £3.69. A clear illustration of how inflation eats into our finances.

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  • Published On: August 12, 2024|0.9 min read|

    The “Wall of Worry” Timeline

    This "Wall of Worry" timeline highlights major global crises from the past three decades. As investors, we often find ourselves concerned about the constant barrage of negative world events.

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  • Published On: August 6, 2024|0.5 min read|

    The Market Doesn’t Care Who’s in Power

    Politics can be unpredictable, but your financial growth doesn’t have to be.

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  • Published On: August 1, 2024|2.2 min read|

    Why You Should Invest By Sunset

    If you do not need the money in the short term, invest it by sunset. This approach won’t eliminate short-term uncertainty, but proceeding in any other way will only result in you second-guessing.

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  • Published On: July 24, 2024|1.3 min read|

    The critical need for cashflow planning

    As life expectancy continues to rise, careful planning for an uncertain future becomes essential.

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  • Published On: July 19, 2024|2.5 min read|

    Understanding the Stamp Duty Surcharge for Expats: A Comprehensive Guide

    Stamp Duty Land Tax (SDLT) is a critical consideration for anyone buying property in the UK, and for expats, there are additional factors to be aware of. In recent years, the UK government introduced a stamp duty surcharge specifically targeting non-resident buyers. This blog will explore what the surcharge is, who it affects, and how expats can navigate these changes.

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  • Published On: July 12, 2024|1.9 min read|

    Labour Wins the 2024 UK General Election: What It Means for Your Money

    The market response to Labour winning the election was pretty calm, with minimal financial market ripples. The lack of movement was unsurprising given the overall result had already been priced in.

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  • Published On: July 10, 2024|3.2 min read|

    The Merits of Accessing Your Pension Commencement Lump Sum in Stages

    As you approach retirement, one of the significant decisions you'll face is how to access your pension commencement lump sum (PCLS). While it might be tempting to take the entire amount in one go, there are several benefits to accessing your PCLS in stages.

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  • Published On: July 8, 2024|3.2 min read|

    The Problem with Structured Notes for Retail Investors: Opaqueness, Provider Risk, and Hidden Commissions

    Structured notes are financial instruments that can seem attractive due to their potential for high returns and tailored investment strategies. However, they come with significant risks and drawbacks, especially for retail investors.

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  • Published On: July 3, 2024|2.4 min read|

    Understanding Inheritance Tax for UK Domicles: What You Need to Know

    Inheritance tax (IHT) is a topic that often causes concern, but understanding it can help you plan more effectively for the future. Here’s a concise overview of what you need to know about inheritance tax, how it works, and ways to manage it.

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  • Published On: July 2, 2024|1.4 min read|

    The Stock Market is All Around You

    The first step towards correctly understanding the stock market is to become aware of the companies you interact with daily. From the moment you wake up, you consume goods and services produced by businesses.

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  • Published On: July 2, 2024|1.4 min read|

    Borrowing Money to Invest

    Ever thought about the merits of leveraging borrowed funds to amplify your investment potential? Gearing, or using debt to invest, can potentially escalate your wealth more rapidly than traditional saving methods.

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