Category Archive: Expat Investing

Nov 18 2014

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What To Do If Zurich International Holds Your Money Ransom

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  Recently, I received an email from a British couple. They had invested in a Zurich International Vista plan. These are extraordinarily profitable for a salesperson to flog. As such, they have spread like pandemics among global expatriates. British investors tend to be the most likely victims. The couple that emailed me is locked in …

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Permanent link to this article: http://andrewhallam.com/2014/11/what-to-do-if-zurich-international-holds-your-money-ransom/

Aug 07 2014

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Is This The Beginning Of The End For Offshore Pension Commission Structures?

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Offshore pensions provided by firms like Friends Provident, Zurich International, Generali and a slew of others are lopsided products geared to make money.   But to whom do the spoils flow?  Most have hidden charges totaling 3.5 percent to 4 percent each year.  So the investor can hardly gain traction against inflation over time. Financial …

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Permanent link to this article: http://andrewhallam.com/2014/08/is-this-the-beginning-of-the-end-for-offshore-pension-commission-structures/

May 11 2014

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British Expatriate Investors Can Buy Index Funds From Anywhere In the World

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Image courtesy of pixabay.com British expatriates have far cheaper investment options than getting stuck with expensive, inflexible offshore pensions, such as those provided by Friends Provident, Generali Vision and Royal Skandia. Instead of paying roughly 4% or more each year, index investors could pay 1/12th of this cost.  And unlike most offshore pensions, they could …

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Permanent link to this article: http://andrewhallam.com/2014/05/british-expatriate-investors-can-buy-index-funds-from-anywhere-in-the-world/

May 10 2014

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Can Canadian Expats Enjoy The Most Tax Free Portfolio In the World?

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Image courtesy of pixabay.com Horizon Canada just offered a swap based Canadian bond ETF, which will be trading on the Toronto stock exchange tomorrow. http://www.horizonsetfs.com/pub/en/etfs/?etf=HBB&tab=overview Horizon already offers a Canadian and U.S. swap-based stock ETF.  By coupling these equity indexes with this new bond offering, expats won’t have to pay capital gains taxes or dividend …

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Permanent link to this article: http://andrewhallam.com/2014/05/can-canadian-expats-enjoy-the-most-tax-free-portfolio-in-the-world/

Apr 07 2014

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Does International Financial Services (Singapore) Flog Friends Provident Products?

It’s getting tougher for expatriates to trust financial advisors—and that’s a shame.  Some good ones exist, including Noto Financial Services and Thailand-based Creveling & Creveling.  But they’re not as common as they should be.  Reports from investors in South East Asia are implying that International Financial Services (Singapore) is selling Friends Provident Offshore Pensions.  While …

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Permanent link to this article: http://andrewhallam.com/2014/04/does-international-financial-services-singapore-flog-friends-provident-products-2/

Jan 09 2014

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Expat Index Investors Should Duck U.S. Estate Taxes

Non-American expats with U.S. listed stocks or ETFs might consider making a switch. U.S. estate tax laws suggest if an expat owns more than $60,000 in U.S. listed stocks or funds, and gets hit by a bus or eaten by a crocodile, their heirs will feel the bite.   By investing on a different exchange, …

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Permanent link to this article: http://andrewhallam.com/2014/01/expat-index-investors-should-duck-u-s-estate-taxes/

Dec 13 2013

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Friends Provident International Faces A Cold Reception

Last week, I received a phone call at work.  “One of your friends gave me your name and number,” the caller said.  “I can help you save money on taxes.  When would you like to meet?”  Truth was, he was lying.   None of my friends gave him my name or contact information.  Instead, he …

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Permanent link to this article: http://andrewhallam.com/2013/12/friends-provident-international-faces-a-cold-reception/

Dec 12 2013

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Does International Financial Services (Singapore) Flog Friends Provident Products?

It’s tough for expatriates to differentiate between high cost and low cost financial advisors.                             Some low cost ones exist, including Noto Financial Services and Thailand-based Creveling & Creveling.  But they’re not as common as they should be.  Reports from investors in …

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Permanent link to this article: http://andrewhallam.com/2013/12/does-international-financial-services-singapore-flog-friends-provident-products/

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