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Bookmarked 672 weeks ago as an expat your circumstances are likely to change more often than if you were in your home country clear financial advice and planning means that expatriate life is without worry and that your future is taken care offinancial planning requirements vary from country to country and expatriates living in spain may need to allocate their investments in a different way these are the elements that make expatriate financial planning different currencyone of the first financial steps when relocating abroad may involve exchanging currency to that of the new country it is important to search around for the best deal at both banks and specialist currency dealersif an income is received from another country in another currency it will need to be exchanged into the currency of new country the impact of a regular currency conversion can leave a person exposed currencies move quickly and often it may be necessary to quotforward bookquot some of the currency exchanging to fix the rate of exchangewhen it comes to arranging savings and investments different currencies also need to be taken into consideration in principle if the investments are generating income used to live on they should be in the same currency as the expenditureemergency cash fundregardless of the country of residence an amount of cash should be instantly available for emergencies in the case of expatriates this fund needs to be higher because inevitably additional trips back home are required for example trips to see ailing and infirm relatives the amount required depends on individual circumstances and a financial adviser takes this into account when financial planningexpatriates need a bank account in more than one country a local bank account is required in the local currency it is also often necessary to retain a bank account for residual issues in the home countrychoosing a banksome banks are available in spain and other countries for example santander and hsbc which could make it the preferred choice a bank might be chosen because it has a conveniently located branch and cash-machine banking regulation differs between countries which require extra vigilance the spanish cajas and the german landesbanks may be examples of this in the futuretax planningwith double taxation agreements between for example the uk and spain it must be determined in which country tax is paid this involves definitions of quotresidencequot and quotdomicilequot in a home country these are likely to be the same but after relocating they may be different inheritance tax is different and it is easy to be caught in two tax regimesretirement planninga recent survey found that the highest concern for expatriates is to ensure that they have enough funds for retirement if retiring in a new country there are many factors to take into account such as what to do with a pension from anotherhealth care many british expatriates state that the health care in spain is as good as the uk however despite this many of them return to the uk in later years due to health problems it is worthwhile to look into the spanish state health care additional health care cover may be requiredinternational schoolingif children are involved in a family move to a new country schooling is a concern many countries have a requirement to pay towards education costs school fees might be required to educate children at an international school there is also the option of boarding school this is an expensive optionhttp:thetylergrouporgthe-tyler-group-barcelona-financial-legal |
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