Offshore Pension Investor Does The Impossible


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We know that advisors love selling offshore pensions to expatriates. 

And why wouldn’t they?  Commissions pay a killing. 

Purchasing such leaky buckets is much like a sentence term.  There’s no bailing out—unless you’re willing to drown in penalties.

One water-swallowing investor, however, has made his way to the shore. He accomplished the impossible.  Will others swim in his wake?  Let’s hope.

Read about the story at the UK’s financial website of the year:

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Andrew Hallam

I’m a financial columnist for Canada’s national paper, The Globe and Mail, as well as for AssetBuilder, a financial service firm based in Texas. I’m also the author of Millionaire Teacher: The Nine Rules of Wealth You Should Have Learned in School (2nd Ed. Wiley 2017) and The Global Expatriate’s Guide To Investing: From Millionaire Teacher to Millionaire Expat (Wiley 2015). My mission is to educate, motivate and inspire people on basic retirement planning and best practices for investing, using evidence-based strategies. I'm happy to comment on your questions. However, please read the Terms of Use, Privacy Policy and the Comments Policy.

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2 Responses

  1. Natalie says:

    Hi Andrew!

    I have been a follower of your index investing strategies ever since I read your book 2 years ago and I’m happy to say that this system works well for me.

    I am a 30 yo Singaporean and my portfolio is as such: 30% Singapore Bond index A35, 23% Singapore stocks index ES3, 23% VEA and 23% VTI.

    However, recently I read another book that suggest to allocate half the bond allocation to include international bond index, (i.e.15% SG bonds and 15% international bonds) the reason being that since Singapore is so small, the risks involved are high. I must admit that I do have such concerns as well. (I mean… SG is really pretty damn small, period)

    Would you be able to share your views on this please?

    • Hi Natalie,

      Here’s something to consider: where will you be retiring? If you’re retiring in Singapore, then you will pay your future bills in SGD. In that case, you take currency risk to invest in foreign bonds. You could certainly do so. But you may want to limit your allocation to them.


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