Investment planning and solutions for global citizens
Investment Planning
Navigating the complex world of investment planning for expats
At GSB Wealth, we offer guidance in navigating the complex world of investments for expats with diversified portfolio strategies. Our in-depth market research enables us to identify promising opportunities, helping us make informed investment decisions. Through active portfolio management, we constantly monitor and adjust your investments to capitalise on market trends and maximise growth potential. Our expertise grants you access to unique investment opportunities that may not be readily available elsewhere.
We also specialise in retirement and wealth planning, helping you secure a financially stable future. With transparent fee structures, you can trust that our services are delivered with the utmost integrity and value.
Book a consultation now to start your investment journey with GSB Wealth.
Our approach to investment planning - What we do
At GSB Wealth, we provide informed and strategic investing advice and offer the following:
- Review your current situation: Identify your investment objectives and preferences.
- Understand your risk tolerance: Offer insights on a wide range of investment options, including stocks, bonds, mutual funds, real estate, and more.
- Draft personalised investment recommendations: align your financial goals with tailored investment strategies.
- Develop a tailored investment strategy: spread your investments across different asset classes and industries to maximise potential returns.
- Continuously monitor your investment portfolio: identify opportunities for optimisation.
- Available to answer your questions: address concerns and provide insights into market trends and economic developments throughout the year.
- Transparent and detailed reports: stay informed about the performance of your investments.
Lumpsum Investment
Currently, money held on deposit (e.g., in bank savings accounts) is not earning much interest. You should ask yourself whether you want your money to work harder. If you have a lump sum to invest, such as an inheritance or existing savings, we offer a range of investment funds tailored to your risk profile, providing greater potential for growth. Our Lumpsum solution is designed to meet your needs, offering the flexibility to switch and reallocate your investments among various funds.
With full control over your portfolio, you can easily track the value of your investment bond at any time, ensuring transparency and convenience throughout your investment journey.
Our approach to investing your money
There are two ways to make money:
- work for an income or
- invest in assets that increase in value over time.
We recommend the latter if you want to achieve your financial goals quicker, outpace inflation, and enjoy retirement to the fullest.
The inconvenient truth is that your investment strategy determines your financial future. Stashing cash in savings accounts simply won’t outrun inflation. GSB offers a range of individual funds and risk-rated portfolios to spread your investments across a wide range of asset types and countries.
Whether you are looking to invest for income, growth, or a combination of the two, our financial advisers provide quality advice, comprehensive investment options, and ongoing financial support to help you achieve your unique financial goals.
Our Investment Committee conducts a stringent external fund manager selection process, only selecting fund managers with superior track records in global markets.
Responsible Investing at GSB
Responsible investment delivers sustainable returns. From the beginning, ESG (Environmental, Social, and Governance) has been at the heart of everything we do. As a conscious team of highly qualified advisers, we are acutely aware of how the world is changing. We believe responsible investment plays a fundamental role in shaping the world for the better and improving people’s lives.
ESG principles enhance and improve investment returns and real-world results. We know you want your money to do good, so we’ve taken responsibility head-on. From portfolio construction to company engagement, ethical decision-making and responsible investing are critical to survival and guide everything we believe in, say, and do.
We see financial investment as a force for good. By thinking carefully about how and where we invest, we can influence companies’ strategy and direction, helping businesses transform into better versions of themselves. We’re committed to helping you make the right decisions and achieve long-term, sustainable returns.
GSB joined more than 5,000 other organisations around the world that have publicly demonstrated their commitment to responsible investment, and became a member of the Principles for Responsible Investment. This demonstrates our dedication to responsible investing as the only way to achieve long-term investment goals. Check out our responsible investment policy here.
Investing in turbulent times
It’s hard to ignore that our world is in a volatile place. Geopolitical tensions are high, and change is constant. Many investors prematurely search for quick-fix answers, but we advise against short-term changes in your investment strategies as significant value could be lost. Remember, the stock market has always recovered from every conflict, often bouncing back significantly and quickly. Investing in equities has historically been the best way to grow capital and protect it from inflation over the long term.
Ready to invest with confidence? Contact GSB today for expat investing advice
Risks to Consider in Investment Planning
Investment planning involves a degree of risk, and it is important to understand the potential challenges that could impact your financial goals:
Market Volatility
Investments are subject to fluctuations due to changes in market conditions, including economic shifts, geopolitical events, and investor sentiment.Inflation Risk
Inflation can erode the purchasing power of your returns over time, particularly if your portfolio lacks adequate exposure to growth assets.Interest Rate Changes
Rising or falling interest rates can significantly impact the value of certain investments, such as bonds or interest-sensitive equities.Currency Risk
For international investments, changes in exchange rates may affect returns, particularly for portfolios exposed to multiple currencies.Liquidity Risk
Some investments, such as property or private equity, may not be easily converted into cash when needed, potentially limiting access to funds.Concentration Risk
Overexposure to a single asset class, sector, or geographic region can increase vulnerability to adverse market events.Regulatory and Taxation Changes
Changes in laws, regulations, or tax structures in your country of residence or investment region may impact the performance of your portfolio.Economic and Geopolitical Factors
Unforeseen global or regional events can disrupt markets, affecting investment values and future planning assumptions.Individual Circumstances
Personal factors such as changes in employment, health, or financial obligations can affect your risk tolerance and investment strategy.Past Performance is Not Indicative of Future Results
Historical returns do not guarantee future performance, and all investments carry inherent uncertainty.
Working with GSB Wealth
Our experienced financial planners at GSB Wealth specialise in expat investment planning and strategies, ensuring your financial affairs are well-managed for a smooth transition to your life abroad. With our expertise, we can help you and provide tailored advice to fit your unique situation and ensure you make informed decisions that secure your financial future.
At GSB Wealth, we explore all the different aspects of your goals, taking everything into account to create a financial plan that works for you throughout life’s events.
FAQs
GSB offers a wide range of investment options for expats, including stocks, bonds, mutual funds, real estate, and bespoke portfolios. Our investment solutions are tailored to your risk profile and financial goals, ensuring that your investments are well-diversified across various asset classes and industries.
Yes, GSB provides comprehensive tax planning services as part of our investment planning for expats. We help you navigate the complexities of international tax laws and optimise your investment strategy to reduce tax liabilities, ensuring that you retain more of your investment returns.
GSB takes a personalised approach to investment planning. We begin by understanding your financial objectives, risk tolerance, and time horizon. Based on this information, our advisors draft customized investment recommendations and develop a tailored strategy to help you achieve your long-term financial goals. We continuously monitor and adjust your portfolio to keep it aligned with your objectives.
Our team of experienced financial advisers offers comprehensive support. We provide ongoing portfolio management, regular performance reports, and proactive communication to address your questions and concerns. Our advisers are always available to provide insights into market trends and economic developments, ensuring that you are well-informed and confident in your investment decisions.
- GSB Capital Ltd is registered with the Dubai International Financial Centre (DIFC), licence no. CL4377, and is regulated by the Dubai Financial Services Authority (DFSA) under licence no. F006321.
- GSB Capital LTD is registered in the UK, Company No. 13501680 and is regulated by the Financial Conduct Authority (FCA) under license 971774.
- We are thrilled to announce that GSB has been officially recognised by the Chartered Institute for Securities & Investment (CISI) as a Chartered Firm™. As the first-ever international firm and the first in the Middle East to achieve this status, we are committed to maintaining the highest standards of professionalism and integrity in our services.
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Disclaimer
THIS PAGE DOES NOT CONSTITUTE TAX OR LEGAL ADVICE AND SHOULD NOT BE RELIED UPON AS SUCH.
THE TAX TREATMENT IS DEPENDENT ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN FUTURE. FOR GUIDANCE, SEEK PROFESSIONAL ADVICE.
THE VALUE OF YOUR INVESTMENTS (AND ANY INCOME FROM THEM) CAN GO DOWN AS WELL AS UP, WHICH WOULD HAVE AN IMPACT ON THE LEVEL OF PENSION BENEFITS AVAILABLE.
THE INFORMATION ON THIS WEBSITE IS DIRECTED ONLY AT PERSONS OUTSIDE THE UNITED KINGDOM AND MUST NOT BE ACTED UPON BY PERSONS IN THE UNITED KINGDOM.
We emphasise a tailored approach to mitigate these risks through strategic diversification, ongoing portfolio reviews, and alignment with your long-term objectives. All investment decisions should consider your unique financial situation and risk tolerance. Always consult with a qualified financial adviser for personalised guidance.