Cross-Border Investment Management for UK Expats
Investment strategies designed for UK citizens living abroad, helping you manage risk, currency exposure, access and long-term growth as part of a joined-up international financial plan.
Your Investments Should Move With Your Life
Moving abroad can change the way your investments are taxed, held, accessed and integrated with your retirement plans.
SJB Global helps UK expats review existing portfolios, consider suitable international structures and build an investment strategy around their current country of residence and future plans.
Our approach looks beyond individual products. We consider how your investments work alongside pensions, tax, estate planning, income needs and the life you want to create abroad.
Choose the Investment Strategy That Best Fits Your Objectives
Every investor has different goals, tax considerations and access requirements. Explore the investment structures and planning approaches that may be appropriate for your circumstances.
Offshore Bonds
Learn how offshore bonds can support long-term international investment planning, tax efficiency and estate planning for internationally mobile individuals.
Explore Offshore Bonds →General Investment Accounts
Explore a flexible investment account that provides broad access to global investments while allowing you to retain access to your capital when required.
Explore General Investment Accounts →Investing a Lump Sum
Discover how to invest significant capital from property sales, inheritances, pension benefits or other major financial events within a structured long-term plan.
Explore Investing a Lump Sum →Investment & Pension Review
Gain an independent review of your existing pensions and investments to better understand costs, diversification, risk and whether your arrangements remain appropriate.
Explore Investment Reviews →Why Investing Becomes More Complex Abroad
International investing is rarely only about performance. The structure around the portfolio matters too.
Residence and Tax
Your country of residence can affect the tax treatment of investment income, gains and withdrawals.
Currency and Income
Currency movements can influence both portfolio value and the real spending power of income received abroad.
Future Mobility
The right structure should consider whether you may move country again, return to the UK or pass assets to family internationally.
Build an Investment Plan Around the Future You Want
Investments should support your lifestyle, retirement and family plans, not make them more complicated.
Whether you want long-term growth, a reliable income or flexibility for future moves, we help structure your investments around the bigger picture.
Start the ConversationExplore Guidance for Popular European Destinations
Investment decisions should be considered alongside the tax and financial rules in the country where you live.
Investing While Living in Portugal
Explore financial planning, tax and retirement guidance for life in Portugal.
Explore Portugal →Investing While Living in Spain
Understand how investments fit alongside pension and tax planning in Spain.
Explore Spain →Investing While Living in France
Explore the wider financial considerations for UK citizens resident in France.
Explore France →Continue Exploring Your Investment Options
Use these supporting pages to explore individual structures and review services in more detail.
Offshore Bonds
Learn how offshore bonds may support long-term international planning.
Read more →General Investment Accounts
Explore a flexible route for investing outside pension arrangements.
Read more →Lump Sum Investment
Consider the options available when investing a significant amount of capital.
Read more →Investment X-Ray
Understand the strengths, weaknesses and costs within an existing portfolio.
Read more →Latest Investment Articles
Explore recent guidance and commentary relating to international investment planning.
Cross-Border Investment FAQs
Can I keep my UK investments after moving abroad?
In many cases, existing investments can be retained, but provider restrictions, tax treatment and future access should be reviewed before and after relocating.
Should I restructure investments before leaving the UK?
That depends on your destination, current holdings, timing and long-term plans. Restructuring without considering the destination country can create unintended consequences.
How does currency affect an investment portfolio abroad?
Currency movements may affect portfolio value, income and spending power, especially when investments and living costs are denominated in different currencies.
Are offshore bonds suitable for every expat?
No. Their suitability depends on residence, objectives, tax treatment, costs, investment horizon and future plans.
What is an Investment X-Ray Review?
It is an independent review of an existing portfolio, looking at areas such as costs, risk, diversification, performance and suitability.
Build an Investment Strategy for Life Abroad
Whether you are reviewing an existing portfolio, investing a lump sum or restructuring before a move, our advisers can help you understand the options.