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Ross Naylor in Partnership with AES International

Impartial financial advice for British expats

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Ross’s Blog

European Commission Pension Scheme – 10 year rule and transfer options

January 22, 2021 //  by Ross Naylor

If you leave the EC pension scheme within 10 years, you must transfer your fund to an alternative scheme in order to secure your benefits.

European Commission Pension Scheme – 10 year rule and transfer optionsRead More

Category: Expat retirement planningTag: EC Pension Transfers, European Commission Pension, Transfer EC Pension

QROPS guide for expats 2021 – Read to understand your options

January 18, 2021 //  by Ross Naylor

This detailed QROPS guide is designed to provide UK expats with an impartial overview of QROPS and overseas pension transfers.

QROPS guide for expats 2021 – Read to understand your optionsRead More

Category: Expat retirement planningTag: BREXIT, Double Taxation Treaties, lifetime allowance, LTA charge, Overseas Transfer Charge, pension death benefits, pension transfer, portfolio bonds, QROPS, qrops advantages, qrops disadvantages

Investment lessons from a pandemic

December 15, 2020 //  by Ross Naylor

2020 saw the steepest market decline in history. Despite the pandemic, we also saw a dramatic recovery. What investment lessons can we learn from the pandemic?

Investment lessons from a pandemicRead More

Category: InvestingTag: lessons, pandemic

How does UK inheritance tax work when a spouse is non-domiciled?

October 30, 2020 //  by Ross Naylor

The rules for transferring assets to a UK domiciled spouse are fairly straightforward. However, things are trickier when one spouse is non-domiciled. In general, lifetime and on-death transfers of assets between spouses/civil partners who are both UK domiciled are exempt from UK inheritance tax (IHT) without limit. However, when one spouse is not UK domiciled, the spousal exemption …

How does UK inheritance tax work when a spouse is non-domiciled?Read More

Category: Estate planningTag: domicility, IHT, inheritance tax, non-domicile

What Experience Tells Us About Markets and US Presidential Elections

October 20, 2020 //  by Ross Naylor

The upcoming US presidential election is my 7th as a professional financial adviser.  If I have learned anything from the previous 6, it is that, despite the protestations of many to the contrary,  no one has a clue how markets will perform, react or move in the coming weeks. They may go up, they may …

What Experience Tells Us About Markets and US Presidential ElectionsRead More

Category: Investing for retirementTag: Donald Trump, investing, politics, US president, Warren Buffet

Are Premium Bonds a good investment?

September 24, 2020 //  by Ross Naylor

Are Premium Bonds a good option for expat savers? Read on to find out whether they are still as good as they used to be.

Are Premium Bonds a good investment?Read More

Category: Investing for retirementTag: Financial Services Compensation Scheme, Premium Bonds, Saving for grandchildren

Retirement planning lessons for expats from Robert de Niro

August 4, 2020 //  by Ross Naylor

Businesses fail. Jobs don’t work out the way you hoped. Investments go awry. Life gets in the way of even the best financial plans, even for Robert de Niro.

Retirement planning lessons for expats from Robert de NiroRead More

Category: Expat retirement planningTag: Commission, emergency fund, financial adviser remuneration, Friends Provident International, Generali International, investment bond, Old Mutual Bond, portfolio bond, QROPS, Quilter International, RL360, Utmost International

How home country bias can derail your retirement plans

July 28, 2020 //  by Ross Naylor

Home country bias is a phenomenon that affects many expat investors. Left unchecked, it can have a seriously detrimental effect on your retirement plans.

How home country bias can derail your retirement plansRead More

Category: Investing for retirementTag: biases, Dimensional Fund Advisers, Vanguard

Can I afford to retire?

July 21, 2020 //  by Ross Naylor

You may be keen to start learning new skills and exploring the world. Alternatively, as an expat, you may have had enough exploring the world and may be keen to settle in one place. You may have lost your job or may need to stop working due to health reasons. Or you may need to …

Can I afford to retire?Read More

Category: Expat retirement planningTag: frozen pensions, retirement affordability, retirement calculator, retirement location, retirement planning

Frozen State Pension. Which countries are affected?

July 14, 2020 //  by Ross Naylor

550,000 British Pensioners are currently adversely impacted by the government’s frozen state pension policy. However, the criteria regarding the specific countries in which it applies are somewhat arbitrary.

Frozen State Pension. Which countries are affected?Read More

Category: Expat retirement planning, State pension for expatsTag: BREXIT, currency, state pension

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About this blog

In this blog, I write about financial planning topics that affect British expats.

I cover subjects such as investing in a low-interest-rate environment, retirement income planning, socially responsible investing and evaluation and optimisation of pension benefits.

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About Me

Ross-Naylor

I am a Warsaw-based Chartered Financial Planner, working in partnership with AES Wealth.

I have been advising British expats on their investments and pensions for the past 20 years.

 

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ul. Prosta 20
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+48 (22) 389 65 70

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Disclaimer

You should not construe the views expressed in this website as personal financial advice. You should always contact a qualified and regulated adviser to obtain up-to-date advice on your own personal circumstances. The author does not accept any liability for people acting without personalised advice. Nor does he accept liability for those who base a decision on views expressed in any generic article. Information provided in this website is based on legislation as at the time of writing. While every effort is made to update this site, pension and taxation legislation changes on a regular, often sudden, basis. Therefore, please check for later articles or changes in legislation on official government websites. You should not rely upon this site in isolation.

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