Lump Sum Investing

Proactive Portfolio Management – Get your money working harder for you

Q: I am an expatriate working offshore and have accumulated a lump sum which I would like to have invested to achieve good capital growth and tax efficiency. Please advice how I can take advantage of this opportunity to grow my funds going forward? 

A: Our Team at Montpelier have been advising clients to invest their lump-sum investment via an offshore ‘wrap’ account or better known as an investment bond rather than invest onshore direct with a banking institution or fund manager.

Compared to an onshore structure, the offshore ‘wrapper’ offers you the freedom to choose from thousands of investment funds in any major currency and gives you the ability to transfer in and consolidate existing acceptable fund holdings. It is also important to note that investment capital gains and earnings within the tax effective offshore structure grow virtually tax-free because it is held in an established offshore investment centre like the Isle of Man or Guernsey.

The ‘problem’ that investors will face when investing offshore is the access to a virtually unparalleled selection of rewarding investment opportunities. The Portfolio Team at Montpelier is specifically and exclusively in place to ‘sieve’ through and select the best performing funds that suit your personal financial circumstance. We use a top-down, two tier approach of first analysing the global macro economic factors and geographic opportunities and secondly deciding on which funds offer the best possible return and best-fit to your portfolio.

It is also important to remember that your portfolio with Montpelier will be actively managed and, as such, we will proactively recommend any changes necessary to keep your investment moving in the right direction. Your investment will constantly evolve, and will be rebalanced to constantly, keep it in-line with your risk profile and current market climate.

The Team at Montpelier is able to provide you with ongoing service, support and advice in relation to your investments. If you have any questions about your financial situation please email them to us at Click Here.

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