Insights & research
Articles from our advisory team
Leverage and Borrowing to Invest: Understanding the Risks and Rewards
Borrowing to invest amplifies returns in both directions. Understanding the mathematics, the practical mechanics of Lombard lending, and the conditions under which leverage makes sense is essential for any investor considering it.
Read article →Tax PlanningLoan Trusts for IHT Planning: How They Work and When to Use Them
A loan trust allows you to freeze the value of your estate for IHT purposes without making an outright gift. All future investment growth accrues to the trust — outside your estate — while you retain the loan as a debt. This guide explains the mechanics, tax treatment, and practical considerations.
Read article →Expat LifeMaking a Will When You Own Assets in Multiple Countries
Owning assets in multiple countries creates succession complexity that a single will may not resolve. Understanding forced heirship, the EU Succession Regulation, and when to use separate jurisdiction-specific wills can prevent family disputes and protect your estate.
Read article →InvestmentsManaging Concentrated Stock Positions: Strategies for Business Owners and Senior Executives
A concentrated position in a single stock is one of the most common — and most dangerous — forms of wealth concentration. Here is how executives and business owners can reduce the risk without triggering an avoidable tax bill.
Read article →Expat LifeManaging Multiple Currencies as an Expat: A Practical Guide
Currency complexity is one of the least-discussed but most wealth-eroding challenges for internationally mobile professionals. A practical framework for managing finances across multiple currencies.
Read article →InvestmentsMezzanine Finance: A Guide for HNW Investors Seeking Higher Yields
Mezzanine debt sits between senior secured lending and equity in the capital structure — offering higher yields than traditional credit with less dilution risk than equity. This guide explains the mechanics, the risks, and how HNW investors access the asset class.
Read article →Property InvestmentGetting a UK Mortgage After Living Abroad: A Guide for Returning Expats
How returning expats can secure a UK mortgage: dealing with a thin credit file, documenting foreign income, specialist lenders such as HSBC Expat and Barclays International, waiting periods, currency considerations, and deposit requirements.
Read article →Wealth ManagementMulti-Generational Wealth Planning: Building Lasting Family Prosperity
Planning wealth across three or more generations: dynasty trusts, family governance structures, financial education for the next generation, the shirtsleeves-to-shirtsleeves pattern, and purpose-driven approaches to preserving family capital.
Read article →Market AnalysisHow to Navigate a Stock Market Correction Without Destroying Your Long-Term Returns
A stock market correction tests every investor's discipline. The decisions made during the worst weeks of a falling market often determine years of subsequent returns. Here is a framework for navigating them rationally.
Read article →Tax PlanningNormal Expenditure Out of Income: The Most Powerful IHT Exemption Most People Ignore
Most IHT gifting strategies are limited by the small annual exemptions or the seven-year rule for larger gifts. The normal expenditure out of income exemption is different — it can shelter unlimited amounts and does not require you to survive seven years. Here is how it works.
Read article →InvestmentsOffshore Bonds vs Onshore Bonds: A Detailed Comparison
Investment bonds are a powerful tax planning tool — but choosing between an offshore bond and a UK onshore bond depends on your tax position, residency, and long-term plans. Here is how to decide.
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 →InvestmentsActive vs Passive Investing: What the Evidence Actually Shows
The debate between active and passive investing has been resolved by data, if not by consensus. The majority of actively managed funds underperform their benchmarks after fees over every meaningful time horizon. Understanding the evidence — and its limits — is essential for building an efficient international portfolio.
Read article →PensionsPension Sharing on Divorce: A Comprehensive Guide for HNW Individuals
Pensions are frequently the largest financial asset in a marriage — yet they are consistently undervalued and under-considered in divorce proceedings. This guide covers pension sharing orders, DB scheme complexities, and the QROPS complication for internationally mobile individuals.
Read article →InvestmentsThe Case for Portfolio Rebalancing: Evidence, Methods, and Tax-Smart Execution
Portfolio rebalancing is one of the few truly free lunches in investing — it systematically sells high and buys low, reduces risk, and in certain conditions improves returns. Here is how to do it well.
Read article →Expat LifePowers of Attorney for Expats: Protecting Yourself Internationally
A will covers what happens after you die. A power of attorney covers what happens if you lose capacity while you are still alive. For internationally mobile people with assets in multiple jurisdictions, this is one of the most neglected areas of financial planning.
Read article →Financial PlanningPreparing Financially for a Move Abroad: The Complete Pre-Departure Checklist
The financial to-do list before moving abroad is longer than most people realise. Miss an item and the consequences can be costly. Here is the complete pre-departure checklist.
Read article →InvestmentsPrivate Credit Investing: A Guide for HNW Investors
Private credit has grown from a niche institutional strategy into one of the largest alternative asset classes globally. For sophisticated investors seeking yield above traditional fixed income without full equity risk, it deserves serious attention — alongside careful scrutiny of the risks.
Read article →InvestmentsPrivate Equity Access for HNW Investors: Feeder Funds, Listed PE, and ELTIF 2.0
Private equity has delivered superior long-run returns relative to public markets — but access has historically been reserved for institutions. We examine how HNW individuals can now access the asset class and what they need to understand before doing so.
Read article →InvestmentsPrivate Equity for HNW Investors: Access, Returns, and Due Diligence
Private equity has historically delivered superior returns to listed equities — but access, fees, illiquidity, and manager selection are critical. This guide explains how HNW investors can access PE, what returns to realistically expect, the fee structure, and how to approach due diligence.
Read article →InvestmentsWhat the Evidence Says About Private Equity Returns
An evidence-based review of private equity returns: PME methodology, Cambridge Associates data, IRR vs MOIC, vintage year variation, manager persistence, fee drag, listed PE comparison, and minimum commitment realities.
Read article →InvestmentsPrivate Equity for Individual Investors: What You Actually Need to Know
Private equity has historically outperformed public markets over long horizons — but the illiquidity, fees, and access challenges mean individuals need to understand what they're getting into.
Read article →InvestmentsPrivate Markets for Individual Investors: Opportunities, Risks, and Access Routes
Private markets — private equity, venture capital, private credit, and private real estate — have historically been available only to institutional investors. Democratisation is changing this. But the risks, fees, and lock-ups require careful understanding before committing capital.
Read article →Financial PlanningThe Full Cost of Private Wealth Management: A Complete Breakdown
Total cost of wealth management explained: DFM fees, adviser charges, platform fees, fund charges, and transaction costs. A framework for assessing value for money and how to negotiate — or change provider.
Read article →Speak to a Global Investments adviser
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