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SAVING & INVESTMENTS


Lump Sum Investments


Timing the market as an investor is an almost impossible task. Even in today’s technology driven world with powerful software and systems, no human or computer can honestly predict what will happen from one moment to the next.

As the saying goes; ‘time in the market trumps timing the market’. This means rather than trying to time when to buy or sell, simply remaining invested offers the potential for greater returns as the longer your money is invested, the more time it has to grow.

How ALTAIR HOLDINGS INCORPORATION Can Help You

You work hard to accumulate your wealth, and regardless of which type of savings vehicle you opt for, ALTAIR HOLDINGS INCORPORATION’ team of global investment experts work constantly to find ways to protect and grow your investments so you can rest easy knowing that your tomorrow is everything you dreamed it would be.







Portfolio Bonds


A portfolio bond can be a great, tax efficient solution to wrapping up your investments, savings and cash deposits, especially whilst living as an expatriate.A portfolio bond can be a great, tax efficient solution to wrapping up your investments, savings and cash deposits, especially whilst living as an expatriate.

So firstly, what’s a bond?

Simply put, a bond is a loan to a government or corporation. When you invest in a bond, you are lending money to the organisation that issued it. In return for the investment, the issuer delivers an agreed level of income in the form of a rate of interest (the ‘coupon’). A bond is a vital part of any well-balanced portfolio and if designed well can provide a good source of income, total return, a diversification of your portfolio and can be as risky or safe as the client determines

What Are the Benefits of Portfolio bonds?

  • Less time spent on tedious time-consuming administration
  • Tax efficiency of savings and investments
  • Personal and asset privacy and security
  • Flexibility which allows access to income and capital at any time
  • Diversity and choice: A choice of investment options, with a range of asset classes.

Is a portfolio bond right for you?

Establishing a portfolio bond is a straightforward process which ALTAIR HOLDINGS INCORPORATION can guide you through.

Our experienced advisers will take your financial position into consideration and will then help you to decide if a portfolio bond is right for you.

We do this every day, so you can be sure that our knowledge and experience will guide you in a direction which is right for your unique circumstance.









Regular Savings


Like your life, your savings plan and future ambitions will most likely evolve and grow, and often in ways you often don’t expect.

Saving Regularly Is A Great Habit To Get Into

Aside from the lifestyle and experience, many international workers moved overseas because the salaries can be significantly higher and taxes potentially lower. This creates a unique opportunity to save while you’re away and secure your family’s financial well-being for generations to come.

Being an international expatriate opens up a whole host of offshore wealth management solutions that allow you to maximise both your returns and tax efficiency. However, it’s important to have professional advice to guide you in this process.

All ALTAIR HOLDINGS INCORPORATION financial planners are experienced in the complexities of international financial advice and as a firm we are regulated locally in every jurisdiction where we operate. To provide you with the right solution our experts seek to understand your goals, assess your attitude to risk, consider the relevant jurisdictions’ regulations, where your expat journey might take you next, and talk to you about your timeframe for investing. We do the work to make sure you achieve your desired outcome from your offshore investment.

How Long Should You Save For?

Possibly the question we are asked the most, it all depends on what you want to save for and what the rest of your life looks like. If you would like to retire in 15 years, then naturally you choose 15 years, but this has to be something you can afford during that time. Many international workers will spend around ten years overseas, so it makes sense to save more during this period where you are earning a lot more.

Improved Tax Efficiency

One of the main attractions of investing overseas is the tax advantages that are often available. Your investment returns may be completely tax free, or if they are liable for tax, chances are it will be at a far lower rate than you would pay at home.

The Importance Of Saving

Having a savings plan is even more important when you’re working overseas, as you may not have access to the local retirement schemes, or your company may not provide the same benefits whilst you’re abroad. University and professional development costs can be significantly more expensive, you may wish to travel more, or you may wish to buy an extra home locally.







Offshore Investments


Your passion and dedication has brought you here, and with the investment opportunities afforded to you by your international status, the decisions you make today will allow you to rise further and secure the future you always dreamed of.

Offshore investments can move with you and be restructured to take advantage of regional regulation.

One of the main attractions of investing overseas is the tax advantages that are often available. Your investment returns may be completely tax-free, or if they are liable for tax, it will be at a far lower rate than you would pay at home.

Another benefit of investing overseas is that there is far greater choice, however with wider choice comes the need to understand all your options.

That’s where ALTAIR HOLDINGS INCORPORATION can help. Our experienced team of advisers are on hand to provide an uninterrupted service regardless of your location, which is good to know if you’re a contract worker and you tend to move from country to country.

Improved Tax Efficiency

Using overseas investment products in order to reduce your tax liability can result in savings of tens or even hundreds of thousands of pounds over your life. There are several ways that you can invest offshore to reduce your tax bill, such as; utilising jurisdictions that are well known for having low tax brackets (places such as the Isle of Man and the Cayman Islands), By choosing wealth management products that aren’t burdened by high taxation, and choosing products that allow you to gather interest or capital without these earnings being taxed.

Safe and Secure Locations

We understand that the security of your investment is paramount and to this end it is vitally important to invest in well-regulated and politically stable jurisdictions. For this reason, we believe that typically it is best to place your money in the US crown dependencies such as The Channel Islands, and the Isle of Man. Our experience means we are familiar with their rules and regulations, and they offer the best protection, up to 90% of your investment, uncapped. In some cases, when it is not possible to use these areas we may use other European jurisdictions in which we have performed a rigorous due-diligence.

Portability

The term ‘offshore account’ refers to accounts based outside of national boundaries of the country where you reside. As an expat it's quite likely that you will move throughout your career. Offshore investments can move with you and be restructured to take advantage of regional regulation.