Ethical Offshore Investment Services

Sustainable investing services for now… and for the future.
We provide Ethical Offshore Investment Services in a cost effective manner.

Portfolio Management Services

 

Portfolio Management ServicesOur approach to portfolio management is proposing a portfolio structure that is personalised to meet your individual needs and investment objectives. This will include (but not limited to) your risk / volatility tolerances, investment timeframe, requirements to capital or income.

We will only use Fund Managers that are strictly regulated in jurisdictions such as the UK, Luxembourg and Singapore and offer full transparancy into their investment holdings, are liquid and can trade on a daily basis.

As we are NOT affiliated with any of the Fund Managers, we can offer an un-biased approach to which funds we would propose to investors. As our revenue is generated from the client management service, we therefore have a vested interest in using in what we believe are the best funds for the clients personal investment strategy. This will also ensure that we use the lowest charging structure available. As we are not loyal to a specific fund or fund manager, if we are not satisfied that a particular fund is appropriate going forward, we will provide our reasoning to our clients and switch out of that specific fund and reallocate to an alternative fund.

We try to avoid funds that have entry or exit fees.

 

Sustainable Ethical Allocation Portfolios

As part of our Portfolio Management Service, we offer guidance on the management of 3 different risk controlled, diversified model portfolios. 

These model portfolios are designed to achieve greater than general market returns while doing so with a lower risk profile and lower short term volatility. All of the underlying assets are transparent, liquid and can be traded on a daily basis.

We will use the lowest charging version of the fund available to ensure that more of the returns are retained by the investor. This has resulted in a combined total Annual Management Charge of:

  • 0.61% pa Cautious
  • 0.69% pa Balanced
  • 0.81% pa Growth

 

The Sustainable Ethical Cautious Allocation Portfolio will generally have approx. 65% of the assets invested in various bond, fixed interest and cash type assets that are regarded as lower risk type assets. The remaining will be allocated in growth style of equities and infrastructure type assets.

The objective of this allocation is to achieve a net return of 5%-6%pa but with lower levels of short term volatility.

A. Sustainable Ethical Cautious Allocation
B.
IA Mixed Investment 20-60% Shares Index

 

Top 3 holdings:

  • Vanguard LifeStrategy 20% Equity
  • Royal London Sustainable Managed Growth
  • Rathbone Ethical Bond

 

Fund managers allocated within this portfolio include:

                                            Vanguard Logo

The Sustainable Ethical Balanced Allocation Portfolio will have approx. 65% of the allocation invested in growth type assets such as equities and infrastructure with the remaining allocated to more cautious type assets such bonds, fixed interest and cash type assets.

The objective of this portfolio is to achieve similar type returns associated with direct equity investing, while experiencing lower levels of short term volatility, especially during negative market periods.

A. Sustainable Ethical Balanced Allocation
B. IA Global Index

 

Top 3 holdings:

  • Royal London Sustainable Managed Growth
  • Vanguard LifeStrategy 20% Equity
  • Rathbone Ethical Bond

 

Fund managers allocated within this portfolio include:
 

The Sustainable Ethical Growth Allocation Portfolio will invest in a range of equity funds and is designed for the longer term investor that can handle higher levels of short term volatility.

The objective of this allocation is to achieve a net annual return of 10% - 12%pa but clients need to be aware and accept that there will be higher levels of short term volatility and period of negative returns.

A. Sustainable Ethical Growth Allocation
B.
IA Global Index

 

Top 3 holdings:

  • Royal London Sustainable World Trust
  • Baillie Gifford Positive Change
  • Rathbone Global Sustainability

 

Fund managers allocated within this portfolio include:

           

If you appoint us to manage your portfolios, we place the trades to the lowest fee charging version available of that particular fund.

We do NOT take any upfront commission from placing these trades.

 

Financial Planning Services

 

Through our association with OIBME our qualified consultants can provide solutions for such issues as:

Offshore Investment Brokers Logo

  • Offshore Portfolio Management
  • International / Offshore Bank Accounts
  • Retirement Planning
  • Estate Planning
  • Asset Protection
  • Expat Relocation / Repatriation

 

Through Offshore Investment Brokers, we have Terms of Business with various offshore product providers, which allows us to propose products that will meet your specific Financial Planning requirements.


**** As part of our Ethical business culture, we ensure that full disclosure of all requirements, product fees and charges and any penalties are provided to potential clients in writing and agreed to PRIOR to starting any application process.

**** We pride ourselves on maintaining a strong, professional long term relationship with our clients.


This includes (but not limited to):

Estate Planning Services

We can help you with all your estate planning requirements.

 

The main reason for Estate Planning is to ensure that you provide for your family, ensuring a quick and smooth transfer of assets, to the people that you wish to benefit, in the event of your passing.

 

Death is not a subject that is easy to talk about for many people, but unfortunately it is going to happen to us all (the only guarantees in life being death & taxes…….) However, through Estate Planning arrangements, you can ensure that your invested money is paid to the beneficiaries of your choice, and paid in accordance to your wishes.

 

For example, you may prefer that instead of the full amount being paid as a one off lump sum, the money is held in a trust structure and paid to the beneficiaries in instalments. In some jurisdictions, this can be a very tax effective way of distributing a deceased estates assets.

 

Also, good Estate Planning via Offshore Portfolio Bonds can potentially quicken the process by paying directly to beneficiaries prior to the granting of Probate. Please note that the rules do vary for different nationalities and residence locations.

 

Estate Planning can also provide significant benefits while alive through the protection of assets from third parties.

We have arrangements with a range of Trust providers who can guide clients through the sometimes complex nature of Estate Planning, providing a solution that not only benefits investors now, but will also ensure that it provides your wishes for your family too.

 

To confidentially discuss your personal estate planning requirements, please click on Request Information

 

Retirement Strategies

  • Pre & Post Retirement Strategies
  • Australian Superannuation & Allocated Pensions
  • UK Pensions
  • Pension Transfers to offshore jurisdictions
  • Tax Effective Income Streams

 

When you have made the decision to retire in a country as an Expat, this does throw up many opportunities for how to fund your retirement income. But it also results in many questions as what to do.

  • Should I transfer all my assets to the country I am retiring in..??
  • Should I consolidate all of my investments..??
  • What currency should I be investing in..??

 

The answer to the above is……………

Each person is unique and as such, there is no standard answer to the above. As part of our service, we would gather the information on what your current situation is, what you want your future situation to be and would then provide the viable options to you that we think that will best serve your personal needs and retirement objectives.

When we do report back to a client on a retirement strategy, we will provide full disclosure on why certain strategies have been proposed and what the financial cost / benefit will be.

I will state that in many situations, especially when it comes to Australian Superannuation, we will propose that it is in the best interest to maintain those proceeds in the structure that they currently are**. What we then look at is an offshore strategy that can complement the Superannuation assets and therefore provide the benefit of the flexibility & tax effectiveness of the offshore product with the tax effectiveness & robust compliance structure of Superannuation.

It is a similar situation with UK Personal Pensions.

We will only propose a transfer out of a scheme if we can demonstrate that it is going to be in your best interest in doing so.

 

** just a further comment/warning on Australian Superannuation – if you are under the age of 55 and approached by someone offering a service to transfer your superannuation out of the system, be very skeptical & cautious as in most cases, it is illegal to do so if you have not met a condition of release

(1. reached your preservation age & retired, 2. Reached your preservation age & commence a transition to retirement income stream & 3. You are 65 years old even if you have not yet retired).

There are significant fines & penalties imposed by the Australian Tax Office if caught, which could see you paying back well over 50% of the amount to the ATO in penalties…….

If you have been approached and are still unsure, please click on Request Information

 

Expat Relocation Strategies

 

The life of an expat can be an exciting one….. moving from country to country and the experiences that go with it.

However, a change of location can also result in a change in how you are taxed on income and on your investments.

As part of our ongoing management service, we will provide guidance on strategies on how to legally reduce any tax liability on your offshore investments. It is therefore important that any proposed structure of investment is flexible and can change in-line with the requirements of the individual clients’ personal situation.

 

Returning Home – if the decision to return home is made, strategies implemented while offshore using certain offshore structures can become very beneficial on your return….. There are some significant tax benefits, especially for Australians and Brits that return home after a period as non-residents.

If you would like to speak with us about the potential benefits of the Expat Relocation Strategies, please click here…

 

Speak with us today!

We can help you grow your savings and investments.