Insights & research
Articles from our advisory team
What Happens to Your Pension If Your Employer Goes Bust?
The Pension Protection Fund protects defined benefit pensions when employers become insolvent. But compensation has limits, and not all schemes qualify.
Read article →PensionsPension Credit for Returning British Expats: What You May Be Entitled To
Many returning British expats qualify for Pension Credit — a means-tested benefit that can significantly boost retirement income. Here is what you need to know.
Read article →PensionsA Complete Guide to Pension Tax Relief — and How to Maximise It
Pension tax relief is the single most powerful tax break in the UK system. Many higher-rate taxpayers are failing to claim all of it. Here's everything you need to know.
Read article →PensionsThe Pension Annual Allowance Charge: How It Works and How to Handle It
The pension Annual Allowance charge catches more high earners every year — often unexpectedly. This guide explains what triggers it, how it is calculated, voluntary and mandatory Scheme Pays, and how to manage AA liability across multiple pension schemes.
Read article →Tax PlanningPenalties for Late UK Tax Returns Filed from Abroad
Living abroad does not grant extra time to file a UK self-assessment return — HMRC's automatic penalty regime is unforgiving, and expats are among the most common victims.
Read article →InvestmentsPeer-to-Peer Property Lending Explained
P2P property lending offers interest rates above savings accounts, secured against real estate — but investors must understand credit risk, platform risk, and the limits of their security.
Read article →Market AnalysisThe Future of Interest Rates: What Peak Rates Mean for Bond Investors
Central banks appear to have passed peak rates, but the path down is gradual and uncertain. Here is what the evolving rate environment means for fixed income investors in 2026.
Read article →Property InvestmentPurpose-Built Student Accommodation as an Investment: Yields, Risks and Alternatives
A comprehensive look at purpose-built student accommodation investment — how it works, the yields available, the risks to understand, and how it compares to other property strategies.
Read article →Tax PlanningPassive Income Abroad: Tax Guide for Expats and Offshore Investors
Building passive income streams as an internationally mobile investor is achievable — but the tax treatment of dividends, rental income, interest, and royalties varies significantly depending on your residency and domicile status.
Read article →Expat LifeLiving in Paraguay as an Expat: Territorial Taxation and Residency by Investment
Paraguay's purely territorial tax system, extremely accessible permanent residency by investment programme, and very low cost of living have made it a niche but growing destination for tax-conscious globally mobile individuals.
Read article →InvestmentsPeer-to-Peer Property Lending Explained: How It Works and What the Risks Are
A clear explanation of peer-to-peer property lending — how debt-based property investments work, what security investors hold, realistic return expectations and the risks to understand.
Read article →Tax PlanningOverseas Workday Relief: A Practical Guide for New UK Arrivals
Overseas Workday Relief (OWR) allows new UK residents to exclude the portion of their employment income attributable to work performed overseas. Combined with the FIG regime, it can significantly reduce the UK tax bill for internationally mobile executives in their first four years. This guide explains how it works.
Read article →Expat LifeOpening a Bank Account Abroad: Country-by-Country Guide
A practical country-by-country guide to opening personal and offshore bank accounts as a foreign national or expat, covering documentation, minimum requirements, and local nuances in key expat destinations.
Read article →Tax PlanningOffshore Trusts: When They Work and When They Don't
A clear-eyed assessment of when offshore trusts provide genuine planning benefits for internationally mobile families — and when the costs, complexity, and anti-avoidance rules outweigh the advantages.
Read article →Tax PlanningUK Tax Treatment of Offshore Trusts: A Complete Guide for 2026
Offshore trusts remain one of the most powerful structures in international tax planning — but their UK tax treatment is complex. This guide explains settlor-interested trusts, the s.87 matching rules, the FIG regime's impact, and the 2025 IHT reform affecting excluded property trusts.
Read article →Tax PlanningThe 10-Year Periodic Charge on Discretionary Trusts Explained
Discretionary trusts face a periodic charge every 10 years — but for many estates, the IHT savings over a lifetime still outweigh the cost of the charges.
Read article →Tax PlanningUK Offshore Trust Taxation After the April 2025 Reforms: A Practical Guide
The abolition of the remittance basis and deemed domicile rules in April 2025 fundamentally changed how offshore trusts are taxed for UK residents. This guide explains what changed and when trusts still make sense.
Read article →Financial PlanningOffshore Portfolio Bonds: How They Work for International Investors
Offshore portfolio bonds are tax-deferred investment wrappers widely used by internationally mobile HNW investors — understanding how they work, their tax advantages, and their limitations is essential.
Read article →Expat LifeTax Planning for Offshore Oil and Gas Workers: UK and International Rules
UK and international tax considerations for offshore oil and gas workers, including UKCS day counting, travel exemptions, PAYE for foreign contractors, Norwegian sector DTA issues, and financial planning for rotation workers.
Read article →InvestmentsOffshore Investment Bonds for Tax Planning: How They Work and When They Make Sense
Offshore investment bonds offer unique tax-deferral and planning flexibility that few other investment structures can match. Here is a complete guide for internationally mobile investors.
Read article →InvestmentsOffshore Investment Bonds Explained: How They Work and When They Make Sense
Offshore investment bonds are life assurance-wrapped investment vehicles that offer tax deferral, the 5% annual withdrawal allowance, and time-apportionment relief for internationally mobile investors. This guide explains the mechanics, the tax treatment, the main providers, and when a bond is the right choice.
Read article →InvestmentsOffshore Investment Bonds: The Definitive Guide 2026
Offshore investment bonds are one of the most powerful tools available to internationally mobile investors — yet they are also widely misunderstood and frequently mis-sold. This guide explains how they work, who they suit, and what to watch out for.
Read article →Tax PlanningOffshore Income Disclosure: What HMRC Knows and What to Do if You're Not Compliant
The Common Reporting Standard has made offshore non-disclosure far easier for HMRC to detect. Understanding the current enforcement landscape and the voluntary disclosure routes is essential for any HNW individual with overseas accounts.
Read article →Tax PlanningOffshore Fund Reporting Status: How It Affects Your Tax Bill
For UK resident investors in funds domiciled outside the UK, whether a fund has HMRC Reporting Fund Status determines whether gains are taxed as capital gains or as income — a difference that can be very costly.
Read article →Speak to a Global Investments adviser
Our independent advisers work with internationally mobile clients on pensions, investments, tax planning, protection, and international financial structures.