The flexible solution for international expats looking to save £500+ a month or invest a one off lump sum
Improve the performance of your savings with an Expat Savings Plan
Plan for your future
Choose the lifestyle that you want
Discover how to turbo charge your savings.
Download your FREE Expat Savings Guide now!
Saving is a great habit to get into
And it's even more important when you're living and working abroad.
Aside from the lifestyle and experience, many expats work abroad because the salaries can be significantly higher and taxes potentially lower, so it’s a great opportunity to save while you’re away.
- Save from 5 to 20 years
- Choose the right plan for you
- Safe and secure locations
- Online valuations
- Be in touch with your savings wherever you are in the world
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Saving is a great habit to get into
This is even more important when you’re living and working abroad. You may not have a company pension plan, university fees can be a lot more expensive or you may wish to buy an extra home locally. Aside from the lifestyle and experience, most expats work abroad because the salaries can be significantly higher and taxes potentially lower, so it’s a great opportunity to save while you’re away.
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Compound Interest
Over time your savings will build up and, even if you just save the same amount, interest on interest soon adds up. This is called compound interest and even Einstein admitted it was the eighth wonder of the world. But, getting the most out of compound interest takes time which is why most regular savings plans are longer and need some positive discipline from you.
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Make the most of your time living abroad
We will only show you plans that are available where you are living. We will let you know which plans have limited time offers and incentives so that you can make the most out of your plan from the outset. We ONLY use safe and secure locations, normally UK Crown Dependencies with transparent investor protection and regulation and we only compare reputable, recognised companies. Just tell us what you need and we'll show you what's available!
Frequently Asked Questions
How long should you save for?
| It really depends on what you want to save for and how much you want to save. If you would like to retire in 15 years then choose 15 years but make sure whatever amount you save is something you can afford during that time. This helps you have a clear picture of your target amount in retirement which you can then manage over time. If you’re earning a lot more for say the five years you plan to work abroad then it makes sense to save a larger amount but over a shorter period of time. |
Dollar/Pound/Euro Cost Averaging?
| This is the process of regularly saving the same amount, usually on a monthly basis, to smooth out the highs and lows of the market in which you’re invested. It’s also extremely useful as a means of saving if you don’t have a lump sum to invest. The effect of pound cost averaging is that you're buying assets at different prices on a regular basis, rather than buying at just one price. And while riding out the movements of the market, you could also end up better off than if you invested with a lump sum. |
Let’s look at this in practice.
| If you invested a £10,000 lump sum and bought share units valued at £10 each, you'd have 1,000 units. This would remain fixed unless you bought more units. Now, if you bought £500 worth of share units per month over 18 months (£10,000 overall), you would buy 50 units in the first month. If the unit price went down to £9.50 in the second month, you'd be able to buy 52 units, as the share units are at a lower price, and so on and so on. If the unit price recovers to the original £10 your lump sum would not have grown, but a regular savings plan would have more units and thus more growth on your capital. One potential downside of this is that if your savings continuously grow, you'll be missing out on some of that growth as not all of your money has been invested over the whole period. But then if your investments continuously grow then it’s not that bad a downside! |
For the answers to these and many other questions ...
Download your Savings E-Guide NOW!
Worldwide Presence
Guardian GS is the global arm of Guardian Wealth Management, a UK regulated international financial planning firm with over 7,000 clients and over half a billion US dollars under management.
Guardian GS has been specifically created to assist clients in the more remote areas of the world and uses the latest online technology to ensure you are in touch with your money, and your planner, wherever you may be living.
Just like you, we are expats and understand how difficult it can be getting good advice. We've scoured the world for the best planners to answer your questions, so if you have any questions then please get in touch with us.
Call or our Global Helpline on +41 225 087 178 or click the chat button
Don't take our word for it - What our client's have to say ...
This company has been advising me for the past 17 years. During this time I have found them to be professional and positive in respect of advice. I have recommended them to family and friends who have all been very satisfied with the service given.
Margaret Thornbury
Malton | UK
I would very much like to thank you for all your advice, care and attention over my affairs through the last 2.5 years. I have felt my business, albeit very modest, to have been with a really very safe pair of hands and I have thoroughly enjoyed the contact we have had. I am only sorry not to have started sooner!Mary Thompson
Retired ICRC | Geneva
