Grow
Saving and investing outside the UK
Grow your wealth without borders.
A FISIC Saving and Investing plan starts with the same need for disciplined saving, but international characteristics can affect where money should be held and how useful a savings arrangement will be. A saver may have family abroad, future expenditure in another country, previous residence elsewhere, another nationality, foreign income or plans to move country.
What does this service involve?
The plan has to consider more than one country's savings, tax and regulatory environment.
Currency
Identify the countries and currencies in which future savings may be earned, held or spent.
Tax
Consider tax residence, double-tax treaties, local tax treatment of interest and cross-border reporting obligations.
Status
Plan for currency movements, overseas access to money and any restrictions created by residence, nationality or visa status.
Beneficial Arrangements
Check whether tax-favoured savings arrangements in the current country remain available, recognised or beneficial when another country becomes relevant.
Which best describes you today?
You may be considering this because your circumstances have changed, you're planning ahead, or you simply want greater clarity.
Your money is sitting still
You have money sitting in a bank account earning very little and you suspect there's a better option
You want to start investing
You want to start investing but you don't know where to begin or what's right for you.
Your money feels scattered
You've been putting money aside but it's spread across different accounts and feels disorganised.
You already have investments
You've invested before but you're not sure your money is in the right place for where you are now.
You want your savings to work harder
You want your savings to grow without taking risks you're not comfortable with.
What could happen without a plan?
Your cash stand still
Money kept in cash can lose value over time as prices rise. This means the same amount of money may buy less in the future.
Your money isn't working hard enough
Without a clear plan, you may miss chances to make better use of your money. Over time, this can make a bigger difference than you might expect.
When waiting costs you time
The earlier you start investing, the more time your money has to grow. Even small amounts can add up over many years.
You lose valuable time for growth
The longer money is invested, the more opportunity there is for returns to build on previous returns. Delaying the decision can mean missing out on years of potential compounding.
Which best describes you today?
You may be considering this because your circumstances have changed, you’re planning ahead, or you simply want greater clarity.
What could happen without a plan?
Your money is sitting still
You have money sitting in a bank account earning very little and you suspect there's a better option
Your cash stand still
Money kept in cash can lose value over time as prices rise. This means the same amount of money may buy less in the future.
You want to start investing
You want to start investing but you don't know where to begin or what's right for you.
Your money isn't working hard enough
Without a clear plan, you may miss chances to make better use of your money. Over time, this can make a bigger difference than you might expect.
Your money feels scattered
You've been putting money aside but it's spread across different accounts and feels disorganised.
When waiting costs you time
The earlier you start investing, the more time your money has to grow. Even small amounts can add up over many years.
You already have investments
You've invested before but you're not sure your money is in the right place for where you are now.
You lose valuable time for growth
The longer money is invested, the more opportunity there is for returns to build on previous returns. Delaying the decision can mean missing out on years of potential compounding.
You want your savings to work harder
You want your savings to grow without taking risks you're not comfortable with.
