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Retirement Planning the Offshore Way Why do so many of us constantly push
the thought of retirement planning to the back of our minds? Reluctance !
1 Reluctance to save for an event that seems so far off 2 Reluctance to tie
in to an inflexible pension scheme 3 Reluctance to put a large portion of
our current income out of reach for the long term But in terms of retirement
planning, putting off until tomorrow that which you could get done today
will end up costing you very dearly. Every month you delay your retirement
savings planning, you significantly reduce the value of your future potential
Or put another way, every month you delay your retirement savings planning
you significantly increase the amount that you will need to invest to achieve
the same level of retirement income than if youd started today. If
a 25 year old and a 35 year old were to start saving for retirement at 55
and the 25 year old invested £300 a month towards retirement, the 35
year old would have to increase his contributions to £803 a month to
achieve the same potential returns. At the state retirement age of 65 the
average man will have some 19 more years to live and the average woman, 22
years. You will have to support yourself without work and, very likely, without
This means that you will spend 25% to 30% of your life in retirement. You
will need substantial sums of money to support yourself in retirement in
the manner to which you will have become accustomed throughout your life
to date. Recent figures show that individuals aged between 25 and 44 are
saving 1/3rd of the amount they should be saving in order to support their
current lifestyle in retirement. In most countries you are forced to make
your own pension provision if you want to have any chance of a comfortable
retirement. The value of the government pension that you could once rely
on is diminishing every year.
Ready to Start Planning? If youre an expatriate you are in a more
privileged position than most chances are youre enjoying a higher
salary and extra benefits as a result of working away from home. Furthermore
expatriates have greater freedom when it comes to making investment decisions:
they are not necessarily restricted by the same regulations that domestic
investors experience. Decisions That Need To Be Made The most sensible solution
would seem to be finding a safe harbour to anchor your retirement investments
so that you can move from country to country as necessary without this having
any negative impact on your assets. However, if you decide to do this you
need to decide exactly where that safe harbour should be.
Offshore financial centres present a viable solution - especially if you
are undecided as to your eventual retirement destination. Basing your pension
investment offshore should mean that future movements of capital or income
are not impeded. What To Be Aware Of Your own personal circumstances are
unique. Be realistic about how much you should be contributing.
Consider the charges the bonuses and the flexibility of any investment plan
- generally the more flexible the plan the more charges will be. Know that
a good offshore retirement plan should allow you to do the following without
-1 Reduce contributions without penalty (normally after an initial period
of one to two years).
2 Switch investments between different funds to respond to changes in the
market. Preferably including funds managed by other people outside of the
3 Have the option of retiring when you want to without penalty.
4 Allow certain access to monies invested (again, after an initial period).
How to Find the RIGHT Solution Finding out what each provider's best products
are currently, and then hand picking the best to suit your own personal needs
and current circumstances is the best idea! But how impractical!
Do you have the time to do this? Would you consider yourself an expert in
offshore investments and pension planning? Where would you start? Obviously
professional advice will get you the right solution and save you time and
money and reduce your cost of delay significantly! To find out more about
what solutions are on offer in the market place and to learn more about offshore
investing and saving for your future, visit
today. Discover how to build wealth, enjoy greater privacy, protect your
assets and secure your financial future with the Offshore Investment Guide.
R L Williamson is an independent offshore financial specialist. She has worked
in the fields of financial advice, specialising in retirement planning and
she has worked in investment banking. Through her work she has travelled
widely and lived in many different countries around the world. Meeting
expatriates, international investors and being an expatriate herself, she
is well versed in understanding the different financial needs of the individual,
and she is an expert when it comes to finding the RIGHT offshore solutions.
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