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  • Offshore Investing

    Offshore funds work on the same principle as onshore investment funds or mutual funds, pooling investors' money to provide the benefits of a well diversified and professionally managed portfolio of investments.

    A fund qualifies as an offshore investment if it is incorporated in an offshore centre and intended for use by non-residents of that jurisdiction. Such funds generally pay little or nothing in the way of local taxes, although they may receive dividends or interest net of withholding tax depending on where and in which assets they invest. The same is true with offshore banking since the offshore banking institutions do not automatically deduct tax from the interest as their U.K. counterparts would have to do although you should read the section on the new EU Savings directive as this may now apply to you if you are a citizen of a European country living in a different country within the scope of the directive.

    If tax is not the deciding factor in using offshore funds or an offshore trust, the scales may be tipped in their favour by other considerations. The type of investment may simply not be on offer onshore, due to regulatory prohibition or a lack of demand. Hedge funds are an example of the former and currency funds the latter.


    Offshore Investments

    A well-diversified financial portfolio includes direct offshore exposure. This potentially exposes your capital to growth across regions, sectors and economies. In addition, by including investments denominated in other currencies, you reduce your vulnerability to local currency risk.

    Cathay DuPont is a leading offshore retail financial services group. It offers clients around the globe a range of investment products through a number of European-Asian-based businesses.

International Investing - Frequently Asked Questions and Answers

Investing abroad can be confusing. Browse the articles below for answers to some of the most frequently asked questions. If you’re wondering about something that isn’t covered, Email your question here.


  • Buying Foreign Shares

    How do I buy foreign shares? Getting started in international investing can be daunting, but it shouldn’t be. This article looks at three ways of buying into companies around the world.
    Which foreign stock markets can I invest in? Investors are often surprised to discover how many countries they can invest in. Read this to discover where you can and can’t buy shares.
    What is an ADR or GDR? Using American depositary receipts (ADRs) and global depositary receipts (GDRs) is one of the easiest ways to invest in foreign stocks. Find out exactly how they work here.
    What is a CREST Depository Interest (CDI)? Crest Depository Interests make it easier to trade some major U.S. and European stocks through U.K. stock brokers. Understand exactly what CDIs are and how they work with this short guide.

  • Stock Brokers and other Services

    What should I look for when choosing a broker? Choosing the best stock broker means you need to think about more than just price. This short article suggests 10 things you should consider before signing up.
    What fees will my broker charge? Some stock brokers can baffle you with an endless range of different fees. Learn what to expect and what you should be paying.
    How safe are stock broker nominee accounts? Many investors are surprised to discover that their shares are not legally held in their name. This article explains how the nominee system works and what your rights are. Whichever bank or broker you use, make sure your money is safe. Read on for a summary of investor protection rules in the major financial centres. Holding shares through Direct Registration in the U.S. Holding U.S. shares in your own name is known as Direct Registration. Discover how the system works in this guide.
    What is a CREST Personal Account? If you want to hold U.K. shares online in your own name, you need a CREST Personal Account. Find out how to open one by discussing this with your financial advisor.

  • Other Investment Services

    Will a currency specialist save me money on FX conversions? Stock brokers and banks often make extra money by changing hidden fees every time you change currencies. Using a currency specialist could cut your costs significantly.
    Where can I get news and information on international investing? Good resources aimed at private investors who want to invest globally are few and far between. Discover the most useful ones in this review.
    Where can I get price and fundamental data for foreign stocks? Getting data on foreign stocks can be awkward and your broker may not be much help. Read this article for a look at some resources, from free to very expensive.
    What is Direct Market Access (DMA)? Several stock brokers advertise their services as offering “direct market access”. This article explains what this means and whether it matters to you.
    What is Level 2 data and do I need it? Information comes at a price and if you want detailed data from the market, you’ll pay a premium for it. Find out whether “Level 2” is worth the cost here.

  • Offshore Bank and Stock Broker Accounts

    How do I open a non-resident Singapore bank account? Singapore is an excellent choice for anyone who wants an international bank account. This article explains how anyone can open one.
    How do I open a non-resident Singapore brokerage account? Singapore stock brokers are the best choice for anyone who wants to invest in every Asian market at low cost. Opening an account is easier than you think.
    Can US citizens and US residents open overseas accounts? While most people can open bank and brokerage accounts around the world, Americans are less welcome. Find out why and discover how you can duck the restrictions.

  • Tax on Foreign Shares

    Do I have to pay tax on my foreign shares? The taxman won’t let you duck income and capital gains taxes just because you hold foreign shares. But most people pay too much tax – make sure you’re not one of them.
    Can I hold foreign stocks in an ISA or SIPP? The U.K. has some of the most generous rules around when it comes to foreign stocks in low-tax accounts. Yet many investors have no idea how the system works.
    Can I hold foreign funds and ETFs in an ISA? HMRC is less helpful when it comes to sheltering your foreign funds in an ISA. This article explains why few offshore funds and ETFs are eligible.
    How do I reclaim withholding tax on my international dividends? The taxman may have deducted too much tax from your dividends, but the money isn’t gone forever. Find out which forms to fill for a refund in the US, France, Germany, Switzerland and more.
    Can I reclaim withholding tax on foreign dividends in my ISA or SIPP? You can still reclaim the excess tax if your stocks are held in an ISA or SIPP. Read on to discover an extra tax break for foreign dividends in SIPPs.
    How will I be taxed on foreign funds? Both U.K. and U.S. investors risk falling into a tax trap with foreign funds. Find out why your capital gains could be penalised with excess tax.

  • Funds for International Investing

    What is a fund supermarket and why should I use one? You may still be paying a broker or financial adviser hundreds of pounds a year for funds you bought ages ago. Learn why and see how you could cut costs with a fund supermarket.
    Where can I find the best offshore fund supermarket? While fund supermarkets can help you buy domestic funds more cheaply and easily, there are few supermarkets to help you buy offshore funds. Find why and discover the handful of firms that could help you.
    How do I choose a good fund manager? Most managed funds underperform the market – and for good reason. Learn why the fund management industry doesn’t act in your interests and read ten tips for picking better fund managers.
    Does buying a foreign currency-denominated fund affect my investment risk? Do you avoid buying some funds because of the currency they are priced in? You may be worrying about a risk that doesn’t exist. Read on to discover one of the biggest misunderstandings about international investing.
    Do I have to pay tax on my foreign shares? The taxman won’t let you duck income and capital gains taxes just because you hold foreign shares. But most people pay too much tax – make sure you’re not one of them.
    Can I hold foreign stocks in an ISA or SIPP? The U.K. has some of the most generous rules around when it comes to foreign stocks in low-tax accounts. Yet many investors have no idea how the system works.
    Can I hold foreign funds and ETFs in an ISA? HMRC is less helpful when it comes to sheltering your foreign funds in an ISA. This article explains why few offshore funds and ETFs are eligible.
    How do I reclaim withholding tax on my international dividends? The taxman may have deducted too much tax from your dividends, but the money isn’t gone forever. Find out which forms to fill for a refund in the US, France, Germany, Switzerland and more.
    Can I reclaim withholding tax on foreign dividends in my ISA or SIPP? You can still reclaim the excess tax if your stocks are held in an ISA or SIPP. Read on to discover an extra tax break for foreign dividends in SIPPs.
    How will I be taxed on foreign funds? Both U.K. and U.S. investors risk falling into a tax trap with foreign funds. Find out why your capital gains could be penalised with excess tax.
  • Offshore Investments Advice

    At Cathay DuPont we aim to make your decisions straightforward by guiding you through some of the most important investment information. In this section you can learn why offshore investments may be the best choice for you. We take you through various Investment Themes and explain the key concepts that you need to be aware of, including Ethical Investments.

    We also have information about how to move your wealth easily and effciently via an Offshore Portfolio Bond, detailing the advantages that this may afford you. Finally we have advice on how to Manage your Wealth, and a discussion of Risk and Diversification. We can also help find a Specialist Wealth Manager, who can guide you further and give you personalised step by step advice.


    The Importance of Wealth Management

    As an expat there are a number of things you’ll need to think about, but your finances should be at the top of the list. It’s important to have a tailored wealth management strategy that can help you plan for the future, and investing offshore can be a great way to do that.

    Wealth management is all about seeing your money grow, or at least, it should be. Managing your money well is just the beginning. You want to make it work for you on a much larger scale, particularly if you’ve moved abroad for financial reasons in the first place, and being able to invest offshore is central to the relocation. Offshore investment funds can transform your financial prospects to offer a wealth management solution that works, and with the right offshore investment advice you’ll soon be able to notice the difference.

  • Investing Offshore - The Benefits

    There’s no better time to invest offshore and there are plenty of benefits in doing so, the first of which being the tax advantages. Savvy offshore investments could help you minimise your tax liability no matter where you live, allowing you to make the most of your assets and ensuring you don’t lose out to sky-rocketing tax payments. Offshore investing also gives you the chance to diversify your portfolio, and because you won’t be restrained to a single market you’ll be able to reduce your financial risk in the process. Ultimately, investing offshore can be a great way to manage your wealth and get the most from your financial arrangements, but should you decide to invest offshore it’s important to make careful and informed decisions if you want to make sure your offshore investment funds will come to fruition. That’s why you need to get in touch.


    Offshore Investment Advice you can Trust

    Here at Cathay DuPont we are committed to providing offshore investment advice you can trust; helping you make the right decisions to really benefit from any offshore investment funds you have. We can offer help and support across all areas of investing offshore (our website contains a wealth of offshore investing information) and because we specialise in the expat market, we’re confident we’ll be able to accommodate each investor with their individual needs.

    We want to help you take advantage of the investment opportunities that are open to you, and with access to free, independent and wholly impartial advice you’ll have no need to look anywhere else.

Need Extra Help?

Of course, with so many different offshore investment funds and opportunities available it can be difficult to know where to start, but with us you won’t have to go it alone. If your requirements are more specific we’ll put you in touch with trained, experienced financial advisors who will listen to your needs and help you understand the market more thoroughly, offering tailored support to ensure you can invest offshore with confidence.

It’s this level of support that can make all the difference to your wealth management plans, and when you come to us you can be confident of getting the offshore investment advice you need. We’ll help you make the right offshore investing decision no matter what your requirements may be, so never underestimate the importance of putting your finances first and get in touch today to see how we can help transform your offshore investing prospects for the better.