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The latest news, comment, insight and analysis from Forth Capital

Entrepreneurs accelerate exit planning as Capital Gains Tax fears grow

Insight | by Stephen Kiggins

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As the Labour government prepares to announce its budget on 30 October, business owners are expediting their exit planning in anticipation of significant Capital Gains Tax increases.

Confirmation of Major IHT Reforms Expected in October Budget

Insight | by Stephen Kiggins

Father and son looking at laptop

In the Budget on 30 October, Rachel Reeves is expected to confirm reforms that will exempt non-UK assets from UK Inheritance Tax (IHT) for expats after 10 years of non-UK residence - presenting a compelling wealth management opportunity for expats and HNWIs

From the Granite City to the Lone Star State; My financial planning journey from Aberdeen to Houston

Insight | by Claire Taylor

Anticipating the Move: A Financial Planner’s Perspective on Relocating from the UK to the US

How will the UK tax burden increase – and what can you do to protect yourself?

Insight | by Stephen Kiggins

UK Tax Burden and Projected Tax Burden calculated by the IFG

Britain is currently under its heaviest tax burden since the 1940s, and having announced that they have inherited a £20 billion shortfall in the public finances from the previous government, there are growing concerns about how Labour's tax plans will add to this burden.

How the UK’s election outcome could impact your finances as a British Expat

Insight | by Stephen Kiggins

Downing Street

As polling stations open this morning across the UK, Labour holds a significant lead [of circa 20 percentage points] in every opinion poll and look to be on course to secure a significant majority in Parliament. So, on the basis of their election manifesto, what tax changes can we expect to see a Labour government implement, and what financial planning implications will these have for expats?

Are You Retirement Ready?

Insight | by Stephen Kiggins

Forth Capital Find Out if You Are Retirement Ready

Planning for retirement can seem like a daunting task. But the earlier you start planning for this important stage of life the better, as it will greatly improve the likelihood of you enjoying the lifestyle you truly want – and importantly it will also help you to stop worrying about the future, enabling you to live in the moment safe in the knowledge that tomorrow is taken care of.

How to Pass Your Wealth on to the Next Generation in the Most Tax Efficient Way

Insight | by Stephen Kiggins

Rising property prices and significant inflation have, in real terms, lowered the Inheritance Tax (IHT) threshold with each passing year, resulting in more and more people finding themselves liable for IHT

Record 9,500 millionaires expected to leave the UK this year

News | by Stephen Kiggins

Net Outflows and Inflows of Millionaires 2024

New research suggests that 9,500 millionaires will leave the UK this year, second only to China worldwide and more than double the 4,200 who left the UK last year. The research also forecasts that a further 490,000 millionaires will depart the UK over the next four years.

Protecting Your Family’s Wealth - Could a Family Investment Company be the right solution for you?

Insight | by Stephen Kiggins

Family at the dining table 2

Managing significant family wealth requires long term planning to optimise tax efficiency and control. A Family Investment Company (FIC) can be an effective tool for achieving these goals, but how do you know if an FIC is the right fit for your family’s financial strategy?

The important role of diversification and focusing on the 'escalator, not the yo-yo'

Insight | by Stephen Kiggins

Private Banking and Family Office Image

Diversification stands out as a foundational principle of long term investing that underscores the wisdom of 'time in the market' versus 'timing the market'.

What is 'Cashflow Modelling' and why is it key to securing your financial freedom?

Insight | by Stephen Kiggins

Smiling man with mobile phone and laptop

What is 'Cashflow Modelling' and why is it key to securing your financial freedom?

Currency Risk - How it could cost you up to 55% of your UK pension’s potential value

Insight | by Stephen Kiggins

Currency risk has the potential to detrimentally impact the value of your UK pension funds held in Pounds Sterling (GBP), diminishing their buying power and the lifestyle they afford you, if you retire abroad.

If you're an expat who has previously worked in Switzerland, what is your plan for your Swiss pensions?

Insight | by Stephen Kiggins

UK Flag and Swiss Flag

Many expats are not aware that if they leave Switzerland they can have their Swiss pension assets refunded or transferred, enabling them to manage and optimise their growth.

Have interest rates finally peaked?

News | by Stephen Kiggins

US UK Swiss EU and Australian Central Bank Interest Rates 2010 2024

If interest rates have peaked and are set to fall in the coming months, what does this mean for your investments and savings?

Charlie Munger’s ‘essential filters’ and how they are reflected in our award winning investment strategies.

Insight | by Stephen Kiggins

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The essential filters that Charlie Munger adhered to during his exceptional career also inform the award winning investment strategies we provide to our clients in partnership with Morningstar.

The art of the successful business exit

Insight | by Tom Tracy

Man with pensive expression

Five fundamentals you need to address at the very beginning of the process, to help you to define your goals and ensure that you’re prepared for life after exit

An Investment that Lasts a Lifetime

Insight | by Stephen Kiggins

Family Group

Investing in your child’s education is one of the most significant and rewarding financial commitments you can make as a parent. The pursuit of higher education, away from home and potentially even in another country, not only broadens horizons but also opens doors to a world of opportunities.

Planning to move to the US? Here are your 3 Financial Planning Priorities

Insight | by Claire Taylor

Union Flag and US Flag

In 1999, a multi-million-dollar mission to Mars failed spectacularly after a mix up between NASA’s navigation team and the manufacturers threw it off course. NASA had used the metric system for its calculations, whist the manufacturer, Lockheed Martin, provided crucial data in feet and inches.

The 5 most important questions to ask when appointing an international financial advisor

Insight | by Forth Capital

Man in glasses looking at laptop

A checklist of the 5 most important questions to ask when appointing an international financial advisor

How to solve your multi million pound pension problem

Insight | by Stephen Kiggins

With a UK general election looming and Labour committed to re-instating the UK pension lifetime allowance charge if they get the keys to Downing Street later this year, those with multi-million pound UK pensions will be acutely aware of the adverse impact this will have on their funds.

What you need to do to avoid 'Retirement Beyond Your Means'

Insight | by Stephen Kiggins

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Ants and grasshoppers When we think about attitudes to retirement there are – very broadly – two camps. On the one side, we have those who are planning ahead. They’re like the ants from the old Aesop’s fable The Ant and the Grasshopper. Not only have they set goals for a comfortable retirement, but they’ve got a plan to achieve them.

The soaring popularity of Self Invested Personal Pensions (SIPPS)

Insight | by Stephen Kiggins

Man looking at laptop

The popularity of Self-Invested Personal Pensions (SIPPs) is on the rise, and a growing awareness of the benefits that they can offer, especially to expats living and working overseas, has resulted in a 20% increase in the number of SIPPs being opened in the past three years.

Five Reasons Why Dubai is the Top Destination for High Net Worth Individuals Leaving the UK to Protect their Wealth

Insight | by Stephen Kiggins

Smiling man with mobile phone and laptop

The outflow of High Net Worth Individuals leaving the UK has reached a record high in 2024 - whilst Dubai has benefitted from the highest net inflow.

Why Aussie rules could be a winner for UK pensions, with a “pot for life”

News | by Tom Tracy

Jeremy Hunt Downing Street

Creating a "pot for life" was at the heart of UK pension reforms outlined by Jeremy Hunt in his Autumn Statement. It's a concept that we endorse - and indeed already facilitate for our clients worldwide.

7 Things To Think About When Moving Back Home From Abroad

Insight | by Stephen Kiggins

Moving Back Home

If you’ve been living overseas for some time, returning home can be a difficult process. You probably encountered your fair share of obstacles when you moved away. Frustratingly, moving back home isn’t that much easier and can still see you swamped in paperwork, unexpected costs and taxes.

Are You About to Lose Your Pension Freedoms?

Insight | by Stephen Kiggins

Man in blue jumper looking at his laptop

As the UK Labour government prepares to unveil its October 2024 Budget, speculation is mounting that there will be significant changes to ‘Pension Freedoms’ as part of the Chancellor’s ‘pension review’.

Prospect of ‘Exit Tax’ highlights the importance of accelerating your exit planning

Insight | by Stephen Kiggins

Rachel Reeves Chancellor of the Exchequer

As Labour’s first Budget - Wednesday 30 October - approaches, speculation is mounting that a new ‘Exit Tax’ could be imposed on individuals leaving the UK.

Labour could double Capital Gains Tax later this month - Is it time to rethink your exit strategy?

Insight | by Stephen Kiggins

Pensive Man with Laptop Banner

UK entrepreneurs and business owners are bracing for potential changes to Capital Gains Tax (CGT) which could see the rate more than double, from 20% to 45%

The Top 4 Challenges for High Net Worth Individuals Planning to Leave the UK

Insight | by Stephen Kiggins

Contemplative client on veranda

For HNW and UHNW individuals contemplating leaving the UK, careful planning is required to address key issues relating to tax mitigation and wealth protection. In this article, we explore the four most pressing challenges.

Record Numbers of High Net Worth Individuals Are Leaving the UK - Where Are They Going, and Why?

Insight | by Stephen Kiggins

Man with pensive expression

The UK is currently experiencing a record exodus of High Net Worth Individuals (HNWIs) and Ultra High Net Worth Individuals (UHNWIs), with the trend expected to accelerate dramatically over the next four years. So, where are these HNWIs and UHNWIs re-locating to, and what are the key factors in their decision-making?

Risks and Red Flags of Asset Back Structured Loan Funds

Insight | by Tom Tracy

Man in glasses looking at laptop

Pooling capital from multiple investors to purchase (or provide loans for the purchase of) physical assets, often property which may or may not yet have been built, these funds present significant risks to investors that need to made clear – particularly because the fundamental flaws inherent in these schemes have resulted in significant losses for investors in the past...

Forth Capital shortlisted for the Excellence in Advisory Best Practice Award

News | by Stephen Kiggins

Excellence in Advisory Best Practice Award 2023

Forth Capital has been shortlisted for the Excellence in Advisory Best Practice Award 2023 at the annual International Investment Awards, in recognition of its continued focus on delivering a best-in-market proposition to its clients, perfectly matched to their needs – wherever they are in the world.

10 Questions to Ask Yourself When You’re 10 Years from Retirement

Insight | by Tom Tracy

Cropped Calculator Image

As you approach retirement, it’s crucial to ask yourself some important questions to ensure that you are fully prepared and have a robust financial plan in place. By taking the time to consider these ten questions, you can gain clarity to help you make informed decisions.

Supporting Social Bite in the fight against homelessness with Brian Cox CBE and Sir Chris Hoy

Community | by Tom Tracy

Forth Capital has been a longstanding supporter of Social Bite, a 'small but mighty' Scottish charity fighting homelessness, so we were proud to be part of The Great Scots Burns Supper fundraising event with fellow supporters Brian Cox CBE and Sir Chris Hoy.

Inheritance and Windfalls – Navigating the Challenges of 'Sudden Wealth'

Insight | by Tom Tracy

The ‘baby boomer’ generation (1946 – 1964) is the wealthiest in the UK. Soaring property values and the prevalence of final salary pension schemes during their working lives mean that one in five (20% of) Britons over the age of 65 is now a millionaire (compared with 7% in 2006).

What Can Succession Teach Us About Estate Planning?

Insight | by Stephen Kiggins

Succession Article

The award-winning HBO drama Succession has finally come to an end. Over the course of four seasons, we’ve seen self-made billionaire and master-manipulator Logan Roy, played by actor Brian Cox CBE, repeatedly play his children off against each other.

British Expats Exit UK Buy-To-Let Market as Mortgage Rates Escalate

News | by Stephen Kiggins

Buy to Let

For British expats with a buy-to-let mortgage on one or more properties in the UK, climbing interest rates have been driving renewal rates ever higher

National Insurance Contributions (NICS) Deadline Extended to 5 April 2025

News | by Stephen Kiggins

Voluntary NI Cs Deadline GOV UK

The Government has announced a significant extension to the deadline for paying voluntary National Insurance contributions (NICs) to top up state pensions.

Forth Capital CEO Tom Tracy cycles 1969km to mark his 50th Birthday and raise funds for charity

Community | by Stephen Kiggins

Toms Bike Challenge

Forth Capital CEO Tom Tracy marked his 50th Birthday by embarking on an epic challenge, cycling 1969km to raise funds for SocialBite

Celebrating our Achievements at Forth Capital

Community | by Stephen Kiggins

Our talented team has provided us with a number of achievements to celebrate recently.

Optimising your Legacy Pension Funds

Insight | by Stephen Kiggins

Man studying paperwork

As you’ll no doubt be aware, retirement planning is a critical step in taking control of your financial future, but where should you start?

Assurance Vie - Tax Efficient Investment for British Expats Resident in France

Insight | by Jamie Tulip

As an expat moving to or settled in France, understanding a new tax system can be daunting. With the same financial priorities and goals to meet, the need to save and grow your capital still exists. So today we look at one of the most popular, tax-efficient solutions available as a French resident.

Why it's Time to Act Now if you want to Beat Capital Gains Tax

News | by Niamh Docherty

Thousands more people will now be facing a higher Capital Gains Tax (CGT) liability after the Government lowered the threshold for the current tax year. But even bigger changes are looming on the horizon

Consolidating Pensions in the UK and Abroad

Insight | by Niamh Docherty

Female client with laptop

There are several ways that Forth Capital can simplify the finances of our clients, but one of the most vital areas is in undertaking a review of someone’s multiple retirement funds accumulated over years of work.

Congrats to Josh Littlejohn and the team at Social Bite on their first anniversary of opening on the Strand

Community | by Stephen Kiggins

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Fantastic to see this amazing charity thriving in London now, as well as in Scotland.

Five Key Takeaways from the UK Spring Budget Announcement

News | by Stephen Kiggins

Jeremy Hunt Spring Budget

With the Chancellor of the Exchequer unveiling a significant enhancement to UK pension annual allowances, and scrapping the lifetime allowance altogether in his Spring Budget announcement, we look at the implications, opportunities [and potential prevailing risks] for UK pension holders.

Passive Foreign Investment Companies (PFICS)

Insight | by Stephen Kiggins

Union Flag and US Flag

It’s not uncommon for British expatriates living in the US to hold Passive Foreign Investment Companies (PFICs). There’s a fair selection of these, but the main ones you might have heard of are collective investments, such as those held within an ISA or what’s commonly referred to as a unit trust.

UK State Pension Update and a Special Focus on Benefits for New Zealand Residents

Insight | by Ranald Hall

New Zealand and Union Flags

The UK Government has extended the deadline to make larger top ups to your UK State Pension. If you are resident in New Zealand and plan to retire there, topping up could offer additional value for money.

Don't Miss Out on the Opportunity to Boost Your UK State Pension

Insight | by Ranald Hall

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Don’t miss your chance to fill any gaps in your National Insurance (NI) contributions. The UK government’s 5 April 2023 deadline for NI contributions is looming.

Retirement in Australia (Part 2) - Planning for Retirement

Insight | by Forth Capital

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In this second instalment of our Retirement in Australia series, we will look in more detail at building a Retirement Plan.

How 'Ikigai' Can Help You Plan Your Perfect Retirement

Insight | by Stephen Kiggins

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The Japanese have a word for purpose – ‘ikigai’ – which translates as ‘reason for being’. ‘Iki’ means ‘life’, and ‘gai’ refers to value or worth. Your ikigai therefore refers to your purpose in life and is closely related to a feeling of bliss that arises when your passions, talents, and career are in alignment.

What the Return of the Triple Lock Means for your State Pension

Insight | by Audrey Flynn

The pensions triple lock is a key part of the UK’s pension system – it ensures that people receive an annual rise in their retirement income, regardless of the state of the economy.

Retirement in Australia - How Much Do I Need?

Insight | by Forth Capital

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Australia is known for having one of the best retirement systems in the world. Since 1992, employers have been required to contribute to their employee’s retirement savings.

Survey Reveals Significant Gaps in Readiness for Retirement

News | by Stephen Kiggins

Perhaps understandably, thoughts of retirement and making plans for our perfect ‘third act’ are often deferred and displaced by the need to meet more immediate financial responsibilities, as we bow to the pressure to achieve life goals which feel more pressing and are therefore prioritised.

It's Not Just Your Finances - Key Considerations on Returning to the UK from Abroad

Insight | by Tom Tracy

Moving Back Home

Moving home after a significant period of working and living abroad doesn’t just come with financial considerations, but emotional ones too. At Forth Capital, all of our advisers are – or have been – expats themselves, and a number of us have gone through the repatriation process.

What the Recent Political Turmoil Could Mean For Your UK Pension Savings (and what you can do about it)

Insight | by Ranald Hall

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Your UK Pension Savings might not be working as hard as you think. By holding pension savings in GBP, you could get caught out by fluctuating exchange rates.

The Connection Between Your Finances and Your Wellbeing

Insight | by Stephen Kiggins

Health Wealth Image for Newsletter 2

Have you ever left a doctor’s appointment with a spring in your step and a fresh outlook on life? And yet, just 20 minutes earlier you might have been sitting in the waiting room fearing the worst.

Investing with a Mental Time Horizon

Insight | by Sarah Newcomb

The most important habit you’ve never heard of In the world of finance, we often think about decades-long investment time horizons. In doing so, many of us have unconsciously trained ourselves to think long-term because that’s the nature of the job.

Australian Federal Budget Update

Insight | by Ranald Hall

Australia UK Flags

With the cost of living rising across the world, individuals and businesses are looking to their governments for help in easing current pressures. October saw Australian Prime Minister, Anthony Albanese’s Labor government deliver its first Federal Budget. It highlighted an improved fiscal position for the current year, but with mounting challenges in the period ahead.

10 Considerations as an Expat Returning to the UK

Insight | by Jamie Tulip

When my partner and I came back to the UK from France and Switzerland (we were cross-border workers, living in France and working in Geneva) we noted down the top 10 things that we had to address as returning UK expats…

5 Things You Need to Know About Trusts

Insight | by Stephen Kiggins

Holding Money Jar

Whilst writing a will can ensure that those closest to you are taken care of financially when you’re no longer around, if you need to personalise your estate plans further, reduce tax, and ensure the money is well-spent by the beneficiaries, creating a trust can provide a number of valuable options.

The Changing Face of Retirement

Insight | by Stephen Kiggins

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The sad passing of Queen Elizabeth II this month means that Charles, formerly the Prince of Wales, now finally begins the job he’s spent his life preparing for: he becomes King Charles III at the grand age of 73. At a stage in life when most people are well into retirement, King Charles is just beginning one of the most prestigious jobs in the world. However, he’s not the only one for whom retirement looks very different. Over the course of the Queen’s reign the traditional notion of retirement has changed for us all. In this article, we take a look at the history of retirement, how it’s changed, and what this means from a financial perspective. Read on to find out how Forth Capital can help you navigate the changing landscape of retirement and ensure you have the plan in place that works for your future.

UK Pension Income for Expats - Where do you Pay Tax and What is an NT Tax Code?

Insight | by Jamie Tulip

For international workers, holding assets in different countries can prove complicated. Different jurisdictions, with their own complex tax rules can be difficult to navigate. Drawing an income from a UK pension is no different.

The possibility of a life abroad is a new found focus for an increasing number of Brits

Insight | by Stephen Kiggins

Aperitifs in the sunshine. Living by the beach. A better work-life balance. The expat idyll. Embarking on a new life abroad is something that an increasing number of Brits are actively considering. Google searches such as ‘How do I move abroad?’ have shot up by a staggering 1000%, indicating significant interest in departing the UK and living the dream overseas.

Inheritance Tax in the UK and Abroad: Start Planning Now

Insight | by Scott Heaney

CB How Does Inheritance Tax Work for Expats

There are a number of common misconceptions when it comes to Inheritance Tax (IHT) which can have major implications for estate planning both for those planning to retire in the UK or abroad.

How to Protect Your Wealth From Economic Uncertainty

Insight | by Stephen Kiggins

Stock market growth

Rising food costs and soaring energy bills pushed UK inflation to 10.1% in July. The Bank of England voted to increase the base rate to 1.75% on 4 August in a bid to tackle the problem, while warning that a year-long recession and 13% inflation could be on the cards in autumn.

Boost your Pension and Reduce your Swiss Tax Liability with a Third Pillar

Insight | by Jamie Tulip

Zurich Switzerland

As we all live longer, and with the cost of living continually rising, it is more important than ever that you boost your pension fund. The Swiss pension system offers several ways to save for retirement.

The Importance of Financial Planning for Women

Insight | by Audrey Flynn

Female client with laptop

Women have risen to the top of male dominated fields, broken glass ceilings through incredible amounts of determination and perseverance, and now need to level the playing field financially as well.

Understanding UK Domicile

Insight | by Stephen Kiggins

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One of the key concepts in any financial planning is your residency and domicile status. People often confuse tax residency status and domicile. This can ultimately create problems for those who move abroad, at any stage in their life. In this article we will explore five different types of UK domicile, the various ways that they can be acquired and some of the tax implications that might impact individuals.

Financial Planning for Expats on the Move

Insight | by Jamie Tulip

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Moving overseas can provide opportunities to further your career and improve your lifestyle. The pull of a better climate, work-life balance and career progression can make the choice to move internationally irresistible.

Financial Needs and Wants in a Post Covid-19 World

Insight | by Mark Plummer

Financial needs and wants article

In March 2020, globally, there were a reported 119,096 cases, 4,284 deaths, and 65,765 recoveries. Fast-forwarding now to 10 July 2021*, globally, there are a reported 187,838,796 cases, 4,035,175 deaths, and 170,885,708 recoveries.

7 Tips on how to Achieve Financial Independence

Insight | by Niamh Docherty

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Financial independence is something we are told to aspire to, but what does it really mean? Financial independence is having enough capital to enjoy your life without the necessity of working. It gives you the freedom to choose how you would like to spend your time, whether it be travelling, on the golf course or continuing to work knowing that it is your choice.

Avoid Rising Inflation Eroding Your Savings

Insight | by James Stirling

CB Cost of Living

If you are one of the five million British expats who have left to pursue better fortunes abroad, you have probably asked yourself how you can make the most of your hard-earned money. Our Financial Planners help expats living and working around the world and many of us are expats ourselves. We therefore understand how hard expats work for their money, and the sacrifices they and their families make.

Australian Retirement Income Review

Insight | by Mark Plummer

Australia UK Flags

Similar to other countries, Australia operates a three-pillar retirement income system. This three-pillar approach has been pursued by the Government for the last few decades. Despite changes over the years to each of these pillars their core aims remain intact.

Retiring After a Global Pandemic

Insight | by Scott Cassie

It was one year ago on 11 March that the World Health Organisation characterised the Covid-19 outbreak as a pandemic. Residents in many countries around the world are still living under restrictions on their movement and social contact introduced around this time last year.

You Are Not Saving Enough Into Your Pension

News | by Niamh Docherty

One of the most common questions from clients and friends is “how much should I be saving towards my retirement?” In short, the answer is as much as you possibly can and as early as you can.

Forth Capital 'Sleep in the Park' Update

Community | by Trudi Hayes

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Our Forth Capital team took part in a sponsored nationwide sleep-out to support Social Bite in their fight to end homelessness in Scotland

UK Expats do you know your Domicile Status? There are Tax Implications

Insight | by Trudi Hayes

As a UK Expat, You Probably Have UK Domicile Status Even Though You Don’t Live There Many UK expats are not aware that although they are resident in a country outside of the UK, they are most likely still considered to be domiciled in the UK for various tax purposes, the most critical being UK Inheritance Tax (IHT).

Can Brits in France Travel Back to the UK During Confinement?

Insight | by Trudi Hayes

London with Flag

Many Brits residing in France would like to know if they can travel back to the UK during the current confinement. There are a few circumstances where this is possible, but the general answer to this question is no. During the first confinement, travel was not permitted for leisure reasons and this remains the same for the current lockdown.

Deadline to Save on Swiss Taxes Approaching

Insight | by Trudi Hayes

Switzerland mountains

We’re approaching the end of the tax year and we thought it would be useful to recap on the Swiss Pension System so you can determine whether you can save on Swiss taxes this year. If you want to save on your taxes, generous 2nd and 3rd Pillar tax benefits are only available on contributions received by 31 December.

Impact of Brexit on UK Bank Account Holders Living in the EU

Insight | by Audrey Flynn

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If no trade deal is agreed with the EU due to Brexit, many Britons living in the EU will have their UK bank accounts closed by the end of 2020. The current ‘passporting’ arrangement that allows banks to trade across the EEA will expire.

How Can Cashflow Modelling Help Secure Your Future?

Insight | by Jamie Tulip

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Elon Musk has recently announced his company’s ‘Neuralink’ which envisions a future where our brains will network within a new interface between humans and machines.

Maturing Savings Plan

Insight | by Jamie Tulip

For many of our clients, years of disciplined saving may have or soon will, come to fruition. A substantial capital lump sum will be the reward for planning for the future.

£1M Today or 50,000 for the Next 20 Years?

Insight | by Jamie Tulip

Cash in the sky

A few years ago, I was getting a lift home from work with a close friend, when I asked him: ‘Would you rather have £1M today or £50,000 per year for the rest of your life?’

Brexit: Deal or No Deal and how this affects your UK Pensions

News | by Jamie Tulip

Brexit graphic

Following the recent round of trade negotiations, the EU’s Chief Negotiator, Michel Barnier, advised the press that a trade deal is looking increasingly unlikely. We look at what each side wants from trade negotiations and which areas have caused the deadlock and how this will impact on your UK pensions

Greece Attracts Europe Pensioners

Insight | by Trudi Hayes

Greece panorama

Greece wants to boost its struggling economy by enticing retirees in Europe to move there by offering a 7% income tax rate as an incentive.

Expats in Singapore Fearing for Jobs

Insight | by Trudi Hayes

Singapore panoramic

Redundancies are going up in Singapore and expats are fearing for their jobs and their futures.

British Expats Consider UK Property Options

Insight | by Trudi Hayes

London with Flag

There has been an increase in British expats looking at purchasing property back in the UK because of the Covid-19 pandemic.

Covid-19 - 1.5 Million Brits may need to Delay Retirement

Insight | by Trudi Hayes

Retirement jar

Many people will have to change their retirement plans or even cancel them indefinitely according to an article published last week by International Adviser.

Australia and Spain Amongst Top Choices for British Expats

Insight | by Trudi Hayes

Sydney Harbour Bridge and Opera House

The results of a survey that was recently published by The UK’s Institute for Public Policy Research (IPPR), show that Australia, Spain, the US and Canada are the top choices of country for British expats, and two-thirds of those Brits living abroad do so in order to further their careers.

UK Expats Living in the EU will Continue to have State Pension Uprated Post-Brexit

Insight | by Trudi Hayes

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If you live in the UK, your state pension is uprated every year in line with the triple lock. This means it rises by whichever is highest; average earnings, inflation or 2.5%.That’s currently also the case if you live within the EU or the European Economic Area (Iceland, Liechtenstein, Norway or Switzerland).

Expat Returning to the UK?

Insight | by Trudi Hayes

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Last week, HMRC announced that British expats with non-residence UK tax status who are stranded in the UK due to the coronavirus pandemic will be able to apply for special treatment under ‘exceptional circumstances’ if they have to stay in the UK longer than planned (resulting in the limit of the number of days allowed to be spent in the UK being exceeded).

Morningstar Next Gen Update

Insight | by Trudi Hayes

Stock market growth

Many studies have shown that people sell their investments near the bottom of a falling market. The greatest damage to investors’ portfolios is not caused by the fall in stock markets but by investors selling their funds when panicking, and then miss out on the subsequent market growth.

Summary of Potential Economic Outcome - Coronavirus

Insight | by Tom Tracy

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I am sure that we are all getting lots of coronavirus updates. In Europe, governments have been introducing lockdown policies of varying degrees of severity to try to prevent the spread of the virus and the consequent enormous strains put on the health services. Italy, Spain and France have introduced the most draconian measures whilst the UK government has ordered people to stay at home with only essential journeys to supermarkets, pharmacies and exercise allowed.

Volatility - Morningstar's Daniel Needham Explains: Video

Insight | by Trudi Hayes

During this period of market uncertainty and high stock market volatility, it is important not to sell your investments and to remember why you are investing.

Update - Covid-19

Insight | by Tom Tracy

Due to the ongoing Covid-19 outbreak we wanted to keep you updated on Forth Capital’s company procedures.

Update on the Markets - the Effects of Coronavirus

Insight | by Robert Harris

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The reaction to the Coronavirus has caused abnormally high levels of volatility within global stock markets. Self-isolation means that fewer people are in the workplace leading to lower production levels, breakdown of components being delivered and supply-chain disruption for manufacturing companies.

Next Generation Strategies - Performance Update

News | by Robert Harris

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The markets caused some stress for investors around Christmas 2018, and after an initial low point in January, the year 2019 proved to be a good one for most stock markets.

UK Brexit Minister Urged to do more for Expats

News | by Trudi Hayes

Brexit cut off panoramic

Guy Verhofstadt, the European parliament’s Brexit chief, has stated that he wants to see Britons currently living abroad in the EU to be treated more fairly.

2019 Survey Confirms Asian Cities Continue to be the Most Expensive Locations for Working Overseas

Insight | by Trudi Hayes

According to the results of the Mercer Cost of Living Survey, you may want to avoid certain parts of Asia due to the high cost of living. This continent boasts some of the most expensive places for expats to live.

Where do the Happiest Expats Live?

Insight | by Trudi Hayes

Internations Expat Insider 2019 Survey, ‘The World through Expat Eyes,’ is one of the world’s most extensive surveys about living and working abroad. This year over 20,000 respondents shared their experiences, even including responses from the more unusual expat destinations such as Turkmenistan or Aruba!

Next Generation Strategies - 3rd Quarter Update 2019

Insight | by Trudi Hayes

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Dan Kemp, Chief Investment Officer at Morningstar Investment Management, talks about Q3 2019 performance. Click below to watch the latest video:

Canada is a Great Option for Expats!

Insight | by Trudi Hayes

Canada mountain

In the latest Expat Explorer survey, Canada comes up as a top destination, and expats moving to live in Canada can expect a very friendly welcome.

Brit Expats Living in Switzerland - What to Expect Post-Brexit

Insight | by Trudi Hayes

Switzerland mountains

Thanks to an agreement reached between the UK and Switzerland, UK nationals have their rights protected in Switzerland, whether the UK reaches a deal with the EU or not.

UK Nationals Living in Spain - How to Prepare

Insight | by Trudi Hayes

Spain homes by sea

Spain is still the top destination for British expat retirees. If you’re an expat living in Spain, and wish to remain there, or are moving over soon, here is some recent information taken from the UK government website.

UK Nationals Living in France - Latest Residency Update

Insight | by Trudi Hayes

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If you’re an expat living in France and wish to remain there post-Brexit, here are a few pieces of information you should know (from the UK government):

Switzerland Tops the Ranks - Expat Explorer Survey HSBC 2019

Insight | by Trudi Hayes

Zurich Switzerland

The 2019 results of the HSBC Expat Explorer Survey are out, and Switzerland has knocked Singapore off the top spot, coming in at number one.

Passive Investments - Next Generation Strategies Q2

Insight | by Trudi Hayes

Stock market growth

Passive investing is an investment strategy that tracks an index and focuses on increasing portfolio values. Day-to-day management of the portfolio itself is limited. Management costs are therefore significantly reduced. Research shows that passive investment consistently beats the returns of actively managed funds.

Expats in Australia - Report from InterNations

Insight | by Trudi Hayes

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Following on from last month’s newsletters about expats in both France and Portugal, we are now taking a look at how the southern hemisphere fares for expats.

Forth Capital's New UK Office is a Great Step Forward!

Insight | by Trudi Hayes

Forth Capital continues to Expand – after the successful opening of our new Australian office in Sydney last October, we’re delighted to announce the opening of UK based Forth Capital Advisers Limited which is authorised and regulated by the Financial Conduct Authority under FCA Number 811535.

Expats in Portugal - Report from Internations

Insight | by Trudi Hayes

Portugal panorama 885x187

It seems, according to Internations, that Expats in Portugal can enjoy a family paradise with an excellent quality of life. This information comes from the Internations Expat Insider Survey, and goes on to say that the climate is pleasant and locals are welcoming, but that job security and career prospects rank poorly.

Expats in France - Report From InterNations

Insight | by Trudi Hayes

Provence panaoramic 885x338

Expats in France are offered a consistently high quality of life, according to the Internations Expat Insider Survey, although it can also be harder to get by if you don’t speak French.

Best Countries for Making Friends Abroad

Insight | by Trudi Hayes

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Internations recently published a ranking of destinations where it is easiest to make friends as an expat. Expats often find it difficult to make friends abroad, and their social relationships seem to affect their personal happiness.

Compound Interest - Friend Or Foe

Insight | by Trudi Hayes

Bike narrow panorama 885x160

Following our recent article on compound interest, here is what Forth Capital’s CEO, Tom Tracy, has to say on it:

Next Generation Strategies - 1st Quarter Update 2019

Insight | by Trudi Hayes

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The markets have rebounded from the end of 2018. Emma Morgan, Portfolio Manager at Morningstar, gives us the first quarter 2019 update. Click below to find out more:

The Power of Compound Interest!

Insight | by Trudi Hayes

Compound growth panorama 885x313

On the topic of compound interest, Albert Einstein famously said, “Compound interest is the eighth wonder of the world. He who understands it earns it… He who doesn’t, pays it…”

Cash is King! or is it..?

Insight | by Trudi Hayes

Cash in the sky

Is cash safe? Panic-selling is not the way forward. When the markets crash, confusion and fear ensue and people panic-sell. However, selling up is not the best option.

New Campaign for Voters Rights

Insight | by Trudi Hayes

Vote hands up 885x263

A new campaign has been launched to call for British expats living overseas and for all citizens resident in the UK to be allowed to vote in both UK general elections and UK referendums.

You're a British Expat - but are you liable for UK Taxes?

Insight | by Trudi Hayes

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Tax for expats can be complex and it is imperative that you understand your obligations as a UK expat. Did you know that you are not automatically exempt from taxes if you leave the UK to move abroad? There are many factors to be taken into consideration.

Tax Transparency and the Everyday Investor - Understanding Common Reporting Standards

Insight | by Trudi Hayes

Tax panoramic 885x412

Jason Pearce from OMI International explains Common Reporting Standards in simple terms in the below article which was published in the British Chamber of Commerce Magazine.

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