Case Studies

Case Study 1 – Retired in Portugal

Harold & Joan (72 & 65) retired to Portugal 12 years ago. They purchased an apartment outright with the proceeds of the sale of their house in England and still had £180,000 left over which they put into a deposit account in a UK building society. They have combined UK pensions generating £14,000 per annum. Because of the drop in interest rates from banks and building societies in the UK and the fall in the value of the pound against the euro, their income had dropped quite dramatically and they wanted to improve it to return to the standard of living in their retirement that they had become accustomed to.

Expatinvest were able to redirect their savings into a safe, tax efficient plan that provided far better returns and that was approved by the Portuguese tax authorities. It also allowed regular monthly income and ad hoc withdrawals.

They are now enjoying their retirement again without “having to watch every penny”.

Case Study 2 – Retired in Spain

Roger & Dorothy (67 & 65) retired to Spain 7 years ago. They own a house in the UK, two villas in Portugal and two villas in Spain. They live in one of the villas in Spain and rent out the remaining properties. Two years ago they had approximately one million pounds invested in equities but, six months ago when we met them that was now only valued at £750,000. They were not happy with the investment performance or the level of service provided by their previous advisor. They required tax efficient capital growth on their capital and did not require income as they received enough income from the rental of their properties.

Expatinvest arranged for the lump sum to be invested in an offshore wrapper which was approved by the Spanish tax authorities. This was a far better tax efficient investment in terms of income and capital gains tax and the portfolio was invested across various asset classes. Roger and Dorothy are now seeing an excellent return on their investment and have peace of mind because they have a review of their holdings every three months with us.

Case Study 3 – Pension Planning

Russell (38) is a UK national and Sales Director for a computer software company based in France. His company do not provide a pension plan and he wanted to make provision for retirement at age 60 or earlier, taking into account that he had no idea which country he was going to retire to except that it would not be the UK.

Expatinvest arranged a flexible monthly savings plan that was fully portable wherever he worked or lived. Furthermore, it allowed increases or decreases of premiums depending on Russell’s financial circumstances, tax efficient growth, early retirement if required and access to very diverse investment funds depending on the economic climate.

Case Study 4 – Children’s Education

John & Mary (69 & 68) are a happy retired couple who live in Tenerife, Canary Islands. They have one daughter who is married and one grandson aged 12 months. Because they put their daughter through private education they know how expensive it can be. As their daughter is not in a financial position to save for the future education for their grandson, and because they are financially secure, they decided to help out.

Expatinvest arranged a very flexible, tax efficient savings plan that can be paid into on a monthly, quarterly, half-yearly or yearly basis. Through the plan their grandson can have the education needed to give him a foundation for his life.

Let Us Help You

These are just a few of the many situations that Expatinvest can assist with.

Please complete our Enquiry Form or simply email us at enquiry@expatinvest.com. It doesn’t cost anything to ask questions.