Case Study: International Pensions for Non-Habitual Residents in Portugal

Michael Chase is an entrepreneur who is looking to move to Portugal in order to take advantage of the benefits offered by the Portuguese government under the non-habitual residence program. 

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Protecting and Preserving Wealth – The Portuguese Opportunity

Whether you are a Portuguese resident or moving to Portugal, international pensions provide significant peace of mind, security and improved financial certainty. There are many benefits which include the ability to accumulate and grow your wealth in an unrestrained manner, flexibility of retirement benefits, robust legal protection and seamless succession of your wealth.

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Case Study: Securing Retirement by Protecting and Consolidating Existing Offshore Assets

Brian Turner works in the Oil and Gas Industry. He has recently returned to South Africa after having lived in Europe for 15 years, and in his time abroad he was fortunate enough to accumulate foreign wealth in hard currency, which he intends to keep out of South Africa in order to protect his wealth from the political and economic risks of the country.

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Case Study: Protecting and Preserving Wealth – Internationalising Retirement Provision

Steven wants absolute financial security for himself and his spouse in retirement and is looking for a way to protect his position from the uncertainty that the future holds.

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Protecting and Preserving Wealth – A Solution for South African Residents

The need to internationalise wealth has become increasingly important in today’s world, as it helps to address many of the risks posed by domestic politics and the local economy. As such, international solutions such as the OPES International Retirement and Savings Plan, plays a vital role in protecting wealth, creating financial security and safeguarding your future and the futures of your spouse and children.

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Adviser Insight: Considerations Regarding International Employee Benefits and South Africans Working Abroad Post 2020

Significant criticism has been levelled at the South African Revenue Services (SARS) and National Treasury given the amendment to the income tax exemption on earnings from certain foreign employment, which commences on 1 March 2020. 

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Adviser Insight: South African Nationals Living and Working Abroad

South Africa has a residence-based tax system, which means residents, subject to certain exclusions, are taxed on their worldwide income, irrespective of where their income was earned. 

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Case Study: South African Nationals Living and Working Abroad

This case study considers the implications of the amendment to the South African Income Tax Act and the repeal of the exemption of foreign earnings from 2020 under section 10(1)(o)(ii) of ITA.

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New Pension Regulations

We recently held a conference call focusing on the new pension regulations and how the new pension regulations will impact advisers, clients and products.

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Davis Tax Committee – Final Update

The Davis Tax Committee (DTC) published its closing report on the 12th April 2018 following its formation on the 17th July 2013. Over this period the committee issued a total of 25 reports to the Minister of Finance with many wide-reaching recommendations in respect of taxation.

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FPI Mini-Series Part 7

In this seventh instalment of our Mini-series, we have a look at the taxation of international pensions.

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FPI Mini-series Part 6

In this sixth instalment of our Mini-series, we will have a look at how international pensions pass on wealth to a member’s beneficiaries and the advantages in respect of foreign assets.

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FPI Mini-Series Part 5

In the fifth edition of our Mini-series, we will be discussing Taking Benefits from an International Pension. This follows our first four instalments, which were titled: ‘What is a Foreign Pension?’, the ‘Benefits of using a Foreign Pension’, ‘How to make a contribution to a Foreign Pension’ and ‘Investment Options for International Pensions’

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SENTINEL Case Study 1

For Use by Financial Advisers Only
The following case study is based on a scenario which is typical to South African residents in todays globalised society and gives a detailed insight into how SENTINEL accommodates a varied set of requirements and mitigates a range of risks unique to South Africa.

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ELEMENTS Case Study 1

International Pension Plan
Creating international employee benefits

This case study is based on the scenario of a south african resident employee saving for financial independence in retirement using the foreign discretionary allowance.

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ELEMENTS Case Study 2

International Pension Plan
Creating international employee benefits

This case study is based on the scenario of a multi-national employee saving for global financial independence in retirement through an international Pension Plan.

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FPI mini-series 4

In the fourth edition of our Mini-series we will be discussing Investment Options for International Pensions. This follows our first three instalments, which were titled: ‘What is a Foreign Pension?’, the ‘Benefits of using a Foreign
Pension’ and ‘How to make a contribution to a Foreign Pension’.

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FPI mini series 3

In the third edition of our mini-series we will be discussing how to make a contribution to a foreign pension and the options available. This follows our first two instalments, which were titled: ‘What is a Foreign Pension?’ and the ‘Benefits of Using a Foreign Pension’. If you have not seen these instalments please let us know and we will send them to you.

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SENTINEL Key Features and Benefits

SENTINEL International Preservation Fund

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FPI mini series 2

In this second instalment of our mini-series on foreign pensions, we will be discussing the various features and key advantages of a foreign pension. Once read you should have a good understanding of the main features and benefits and how these fit with certain client’s financial requirements.

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SENTINEL

SENTINEL offers clients an environment in which to build wealth using an international solution that offers a high level of asset protection, significant flexibility and access.

This means that you can choose when, where and how you want to take benefits with payments set at a level that meets your requirements, and at an age that suits you.

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FPI mini series

An introduction to Foreign Pensions.

In this short insight, we will look at the different types of foreign pensions and how to recognise one from another.

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Bulletin: Davis Tax Committee – Estate Duty Report Hypothesis

For Use by Financial Advisers Only

The Davis Tax Committee published their report on how to modernise the approach to Estate duty in south africa in January 2015. The report highlighted the importance of an efficient system for taxation to generate and collect such tax. 

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Davis Tax Committee

The release of the Davis Tax Committee (DTC) Report on Estate Duty on the 13th of July 2015 for public comment has created much
consternation in the Financial Services industry in South Africa. In particular the impact these proposals may have on traditional
methods of effective Estate and Succession planning vehicles such as Trust structures.

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Autumn 2014 - Pension Reforms

It’s been a remarkable year for pension legislation in the UK and the proposed reforms will have a long lasting impact. At Overseas Trust and Pension our immediate area of interest is the outcome for QROPS and QNUPS but it’s useful to recap the highlights of an “interesting” year.

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OPES SA Comparison - OPES vs Trusts vs RA

In this article we consider and compare discretionary trusts and international pensions. The conclusion reached is that international pensions provide many of the sought-after features associated with trusts but without the drawbacks.

The future for Discretionary Trusts is becoming increasingly uncertain. World-wide, Governments are imposing high rates of tax and International reporting requirements on Trust structures.

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OPES Case Study 1

Wealth Protection through International Retirement Provision

For Use by Financial Advisers Only

The following case study is based on a scenario which is typical to South African residents and gives a detailed insight into how OPES accommodates a varied set of requirements and mitigates a range of risks unique to South Africa.

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OPES Case Study 2

Protecting and Consolidating Existing Offshore Assets

For Use by Financial Advisers Only

The following case study is based on a scenario which is typical to South African residents and gives a detailed insight into how OPES accommodates a varied set of requirements and mitigates a range of risks unique to South Africa.

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OPES Case Study 4

Trusts and the Rise of Retirement Plans 

For Use by Financial Advisers Only

The following case study is based on a scenario which is typical to South African residents and gives a detailed insight into how OPES accommodates a varied set of requirements and mitigates a range of risks unique to South Africa. 

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Why Guernsey?

The key facts behind your leading International Finance Centre.

Guernsey has been an International Finance Centre for over 50 years and there are four pillars to its finance industry:

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