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3 Have the option of retiring when you want to without penalty.

4 Allow certain access to monies invested (again, after an initial period).

How to Find the RIGHT Offshore Savings Solution

Finding out what each provider's best products are currently, and then hand picking the best to suit your own personal needs and current circumstances is the best idea!

But how impractical!

Do you have the time to do this?

Would you consider yourself an expert in offshore investments and pension planning?

Where would you start?

Obviously professional advice will get you the right solution and save you time and money and reduce your cost of delay significantly!

Pension Surrender

Cashing in an onshore pension is rarely the best option available to you.

If you have taken out an offshore pension policy and you are unhappy with it or want to take a break from paying into it, consider all the options that are available to you before you decide on your path of action.

Generally with an offshore pension up to the first 2 years of contributions are committed to being invested until maturity ' meaning that if you cash in your policy early you will potentially be wiping hundreds or thousands off your potential returns.

This is money you woul

As an expatriate you are in a privileged savings and investing position. Make the most of the options leisured to you while you can, consider investing offshore for your retirement.

While you reside overseas you are legally entitled to make use of any tax savings in the country in which you reside, furthermore you are most likely in a position to save and invest offshore to fund and fuel your retirement.

Not enough expatriates make use of their offshore gain when living and working abroad. Don’t make the same mistake!

Do you even have a domestic pension plan in place from your home country that you established prior to working abroad? Have you found that this policy is not as mobile as you are? Does it make sense to continue with the savings policy?

Have you been considering switching from retirement savings plan to savings plan as you variegate from country to country? Did you know that by doing this the income you end up with in later life will be fragmented and may be whittled away by foreign exchange costs, portage or even a cash-strapped government?

Or are you one of the lucky few who need read no further – one of the lucky few working for an international first team who offer a pension plan to expatriate employees as part of their benefits package?

If you are not one of the lucky few and you understand that the onus is on you to provide for your own retirement this special may be able to help you.

If you are looking for the most sensible offshore investment solution for your retirement savings planning you need to consider finding a safe harbour where you can shackle your retirement investments so that you can move from country to country as necessary without this having any negative impact on your assets.

If you decide to do this, you need to find out exactly which safe harbour or tax haven is the best for you.

Offshore financial centres present a viable solution - especially if you are undecided as to your eventual retirement destination. Basing your pension investment offshore should mean that future movements of favourable or income are not impeded.

However you should remember that any retirement income you take could be liable for taxation depending on where you are living at that time.

When it comes to offshore retirement planning what do you need to be streetwise of?: -

Your own personal total environment are unique.

Be realistic pertaining to how much you should be contributing.

Consider the cost the bonuses and the flexibility of any investment plan - generally the more flexible the plan the more fare will be.

Know that a good offshore retirement plan should form an opinion you to do the following without penalty:-

1 Reduce contributions without penalty (normally backward an initial period of one to two years).

2 Switch investments mid different funds to respond to changes in the market. Preferably including funds managed by other people outside of the institution zone.

3 Have the option of retiring when you want to without penalty.

4 Allow documentary to monies invested (again, in agreement with an initial period).

How to Find the RIGHT Offshore Savings Solution

Finding out what each provider's best products are currently, and then hand picking the best to suit your own personal needs and current material assets is the best idea!

But how impractical!

Do you have the time to do this?

Would you consider yourself an expert in offshore investments and pension planning?

Where would you start?

Obviously professional communication will get you the right solution and save you time and money and reduce your cost of delay significantly!

Pension Surrender

Cashing in an onshore pension is rarely the best option unoccupied to you.

If you have taken out an offshore pension policy and you are unhappy with it or want to take a bear market from paying into it, consider all the options that are within call to you earlier you decide on your path of action.

Generally with an offshore pension up to the first 2 years of contributions are afire to existence invested until maturity – meaning that if you cash in your policy early you will potentially be wiping hundreds or thousands off your potential returns.

This is money you would be literally THROWING away!

Instead of encashment could you take a payment holiday or give and take your investment focus?

Instead of encashment you HAVE to speak to a trade to find out what options are uninhabited to you and which options are BEST for you.

You do not have to speak to the reporter or dues who set up the initial policy for communication - a good independent financial publisher will be happy to bail out you with any previous policies. Get Informed!

Simply put, if you haven't started your retirement planning or you want to pass muster whether you need to do more or you want to find out what you can do with policies priorly in existence – from troop pensions, personal pensions and offshore pensions - you need to act now!

Find the right person to treat you in relation with exactly what is uninhabited in the market place today.

Find the right person to get the best solution in place for you sooner rather than later!

A couple months ago, I posted a blind stock valuation. Basically, I just gave you 7 important financial figures for each of the last 6 years and asked you to value the stock as best you could. I didn’t give you the name of the stock.

And – although I didn’t tell you this – I multiplied all figures by 10 to eliminate any bias caused by you realizing this was a very small stock.

I promised I would give a copy of Ben Graham’s The Intelligent Investor to the reader who sent in the best email telling me how much the stock was worth.

The stock was actually a foreign microcap called Watlington Waterworks. It’s a water company on the island of Bermuda.

Bermuda is a rich island nation – actually a territory of the United Kingdom – 650 miles off the coast of South Carolina. It has a population under 70,000. Bermuda’s economy is based around insurance and American tourism. Its currency is convertible into U.S. dollars at a fixed 1-to-1 ratio.

There is no fresh water on the island. Bermuda’s water comes from removing salt from seawater and collecting rainwater.

This is an analytical exercise. Not a stock tip. In all likelihood, your broker doesn’t have the ability to buy stocks for you in Bermuda.

Here is the information I provided about the company:

And here is the best email a reader sent in:

1) Growth in sales and earnings is roughly tracking inflation.  This is a mature, roughly no-growth business so I will pay no premium for growth.

2) FCF is consistently less than earnings.  So this is a business with a significant amount of long-term assets which causes CapEx to exceed accounting depreciation due to the effect of inflation.

3) FCF in this case is a more relevant determinant of value than earnings.

4) The FCF yield on equity has averaged roughly 10% over the 6-yr period presented.

5) My hurdle rate for investment is 10%, therefore I am willing to purchase the company at 1X equity.

6) So I would be willing to pay up to 181/10.5 or approximately $17.25 per share.

7) An additional consideration: The company is carrying very little debt and has stable earnings.  As a control buyer or an activist investor, I would give strong consideration to leveraging up my equity.

The stock trades on the Bermuda Stock Exchange. Shares last traded hands at $13.95 a share.

Most readers sent in valuation estimates in the $20 to $30 a share range.

Thanks to everyone who participated.

Talk to Geoff About Blind Stock Valuation

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