Insights & research
Articles from our advisory team
Best Countries to Retire to as a British Expat in 2026
From the tax advantages of Cyprus to the culture of Portugal and the sunshine of Spain, British retirees have more options than ever. This guide provides an honest, balanced assessment of the six most popular destinations in 2026.
Read article →InvestmentsBehavioural Finance: The Biases That Cost Investors Most
Nobel Prize-winning research confirms that systematic psychological biases cause even sophisticated investors to make costly mistakes — understanding and countering them is a core wealth management skill.
Read article →InvestmentsBear Market Investing: How to Protect and Grow Wealth When Markets Fall
Bear markets are inevitable — and for disciplined investors, they create opportunity. This guide covers the definition, history, and proven strategies for navigating sustained market declines.
Read article →Tax PlanningBare Trusts and Children's Investments: A Guide for Parents and Grandparents
How bare trusts work for holding investments and savings for children and grandchildren: tax treatment, the parental settlement rules, when bare trusts are appropriate, and alternatives including Junior ISAs and pension contributions.
Read article →Market AnalysisInvesting Through the Bank of England Rate Cutting Cycle: A Portfolio Strategy Guide
As the Bank of England moves through its rate-cutting cycle, the implications for bonds, equities, property, and cash are profound. This guide examines the historical evidence, the 2025-2026 trajectory, and how internationally mobile investors should position their portfolios.
Read article →Market AnalysisHow the Bank of England Sets Interest Rates: A Plain English Explainer
How the Bank of England's Monetary Policy Committee works, how inflation targeting drives rate decisions, the role of quantitative easing and tightening, and how rate changes ripple through savings, mortgages, bonds, and investment portfolios.
Read article →Property InvestmentBali Villa Investment: Leasehold Structures and Rental Returns
Foreigners cannot own freehold land in Bali, making leasehold the standard investment structure — understanding its mechanics, risks, and rental income potential is essential before investing.
Read article →Property InvestmentBali Villa Investment: Leasehold Structures, Rental Returns and What to Know in 2026
An honest guide to investing in Bali villas — covering Indonesia's land ownership laws, leasehold structures, realistic rental yields, management costs and the key risks for international investors.
Read article →Property InvestmentBali Property Investment for International Investors
The complete guide to investing in Bali property as a foreigner: leasehold structures, hak pakai via PMA company, villa rental yields, regional comparisons across Canggu, Seminyak, Ubud and Berawa, and tax reporting obligations.
Read article →Expat LifeLiving in Bali as an Expat: Visa Options, Banking and Property Rules
Bali's appeal to digital nomads, retirees, and lifestyle investors has soared — but navigating Indonesia's visa system, property restrictions, and banking requirements demands careful preparation.
Read article →InvestmentsAutocall Structured Products Explained: What International Investors Need to Know
Autocalls are among the most widely sold structured products globally — their conditional income and defined-outcome profiles appeal to investors navigating uncertain markets, but the complexity demands careful understanding.
Read article →Expat LifeLiving in Australia as an Expat: Superannuation, Tax and Returning Home
Australia's superannuation system, complex CGT rules for temporary residents, and the financial implications of both living there and eventually returning to the UK demand careful cross-border financial planning.
Read article →Wealth ManagementAsset Protection Through Trusts: What They Can and Cannot Do
How trusts protect wealth from creditors: fraudulent conveyance law, s423 Insolvency Act 1986 limitations, legitimate business uses vs avoidance, offshore trust robustness, and UK resident trust limitations.
Read article →Tax PlanningAsset Protection from Creditors: What UK Business Owners Can Legally Do
Business owners and professionals face personal liability risks that employees do not. Here are the legitimate asset protection strategies available in the UK.
Read article →Tax PlanningAsset Location Optimisation: Which Assets Go in Which Wrapper?
Asset location — placing different types of investments in the most tax-appropriate wrappers — can add significant after-tax returns without changing overall asset allocation or risk level.
Read article →Market AnalysisAsia-Pacific Investment Opportunities: A 2026 Outlook for Global Investors
Asia-Pacific remains the world's growth engine, but navigating its investment landscape requires a nuanced understanding of individual markets, currency risks, and geopolitical realities.
Read article →InvestmentsArt, Wine and Collectibles as Asset Classes: A Realistic Assessment
Passion assets — fine art, wine, classic cars, watches, and other collectibles — can generate genuine investment returns, but the evidence is more nuanced than the headline auction results suggest.
Read article →Wealth ManagementArt Collection Estate Planning: Tax, Valuation, and Passing Your Collection On
Art collections create unique estate planning challenges — from IHT valuation to conditional exemption and the legal risks of international movement. Here is what collectors and their advisers need to understand.
Read article →Wealth ManagementArt as Collateral: Borrowing Against Collectible Assets
Art-secured lending has grown into a multi-billion dollar market, offering collectors liquidity against illiquid assets — but valuation uncertainty, storage costs, and interest rates make it expensive.
Read article →InvestmentsArt and Collectibles as Investments: What HNW Investors Need to Know
Art and collectibles occupy a unique space in the HNW portfolio: passion assets that may also generate returns. The evidence on performance, the reality of illiquidity, and the practical options for accessing the asset class.
Read article →Tax PlanningThe Arising Basis vs Remittance Basis: When to Choose Which
Before April 2025, UK-resident non-doms could choose each year between the arising basis and the remittance basis — understanding this choice matters for historical returns and those still transitioning.
Read article →Tax PlanningAre Offshore Bank Accounts Legal? What You Need to Know
Offshore bank accounts are entirely legal. The confusion arises because 'offshore' has become synonymous with tax evasion in public perception — but the reality is more nuanced. Millions of people legitimately hold money outside their country of residence, and doing so is not a crime. What matters is transparency.
Read article →Tax PlanningAnti-Avoidance Rules and HNW Investors: GAAR, DOTAS and DAC6 Explained
A plain-English guide to the UK's key anti-avoidance frameworks — GAAR, DOTAS, and DAC6 — and what they mean for HNW individuals, international investors, and the advisers who serve them.
Read article →PensionsAnnuity vs Drawdown: How to Decide for a Lifetime of Income
The choice between annuity and drawdown is one of the most consequential retirement decisions you will make — here is how to think it through as an internationally mobile retiree.
Read article →Speak to a Global Investments adviser
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