ProACT Expatriate Advice

Looking Forward – Year of the Dragon - Sam Orgill www.proactpartnership.com with a view on share investment in the year ahead.

Shares
Shares are regularly dismissed as investment options by individuals. They give up returns of 5-10% long term in exchange for funds and banks where they get 2-4%, the difference
is the charges made by the bankers.

The economies ,balance sheets and assets of large multinationals can be larger and stronger
than many countries and most banks. Invest in Shell or your local bank? Which
is more secure?

Apple reported a $79million cash holding in its balance sheet in the summer of 2011, at the time
more cash than held by the American government.

Think Differently.

Think differently to get a better result.

Large , successful, profitable multinationals paying dividend income of 4-5% is logically a better
return for cash investors in today's world. Think Glaxo, Shell, BP, AMP, Apple,
De La Rue, energy utilities.

This article is not investment advice. It is a guide to thinking differently . You don't have to accept your investment or tax lot, there is always another way, a different way to look at your money, your business, your taxes. A way that will lead to lower taxes, better returns and financial freedom from the normal constraints of the old world.

The world is changing through evolution and revolution driven by IT and information technology. It's worked well for Facebook, Apple and Amazon who have created new industries and an abundance of wealth, and led to the demise of old world thinking for business and countries. Join the revolution in 2012 to a better and more prosperous future for everyone.

Contact ProACT
ProACT Partnership Expatriate Advice for professionals business & retired living and working
abroad. Expatriate tax living abroad, overseas property & investment relocation consultants for UK citizens living abroad and Cyprus business network when relocating abroad, based Paphos Cyprus.

To review your tax, financial or legal change challenges, contact ProACT through Facebook,
email info@proactpartnership.com , or phone via Skype or Google Talk.

Or use the technology of the 20th century and call on +357 26 819 424

Sam Orgill
www.proactpartnership.com

www.facebook.com/ProACTcyprus

Looking Forward – Year of the Dragon, Sam Orgill www.proactpartnership.com with different thoughts for the year ahead

From my simple view point I can only see caution for investors. As the last 10 years has
repeatedly shown, banks and countries can go bust as well as developers,
companies and investment funds. 
The answer is not to bury your head in the sand, but to invest wisely. What is
behind the investment? Who are making the guarantees? is it good value? If you
don't know, you take a chance and could be caught out.
If you take a calculated risk, you get your return.

ProACT Partnership Expatriate Advice for professionals business & retired living
and working abroad. Expatriate tax living abroad, overseas property & investment relocation consultants for UK citizens living abroad and Cyprus business network when relocating abroad, based Paphos Cyprus.

To review your tax, financial or legal change challenges,contact ProACT through Facebook,

email info@proactpartnership.com ,

or phone on Skype or Google Talk.

Or use the technology of the 20th century and call on +357 26 819 424

Sam Orgill
www.proactpartnership.com
www.facebook.com/ProACTpartnership

Sam Orgill

Take a browse around our website www.proactpartnership.com for info and ideas.
ProACT Professional Expatriate Advice Services for professionals, business and the retired living and working abroad or relocating overseas. 

TAX SERVICES – WILLS & ESTATES – BUSINESS SERVICES – PROPERTY SERVICES

UK State Pension Changes Affect Expat Retirement Plans

With aging populations and no money available governments have to cut costs. The
state pension you have paid for is up for further change mainly for those hoping to receive it in the future. The British government has brought forward a new bill to parliament proposing further changes to the raft of announcements from the last few years.

In summary there are 3 main changes;
1. State retirement age to rise
2. Woman and men to have the same retirement age
3. Additional SERPS pensions are to be phased out with a substantial uplift in basic pension as an alternative.

Women are the first to change in that from November 2018 woman and men will have the same state retirement age of 65. Already a woman’s retirement age is increasing beyond the old age 60 level between now and 2018. This means in the next few years woman are retiring later than their 60th birthday already.
The next change is an increase in the state retirement age to 66 from
November 2020. This is delayed by six months from the existing proposals.

Impact
There are winners and losers in both these cases if you are born on the wrong date. If you are 65 in November 2020 you could have to wait until November 2021 for state pension. Those hitting age 65 in October 2020 get a state pension then.

Plus there is already legislation in place to increase the state retirement age to 68 by 2046

Increases
A welcome increase will be an uplifting of basic state pension for all proposed from 2015-2016. While this will remove the SERPS additional pension element from payment to newly retired people, every will get substantially more as a basic. This could mean an increase in basic state pension from around £100 to £150 per week. This is a redistribution of savings from cuts in pensions by Gordon Brown as well as abandoning the SERPS mechanism. The new flat rate will make life simpler for all and help people plan for income retirement.

Plan Ahead
These changes are driven by ‘equality’ laws and the need to save money. The outcome will be people having to save more or work longer to support income in later in life. Early retirement in the 50’s will become an exception rather than a realistic option for many.

Savings and investment in property, pensions and funds need to be made over a long period of time. Insurance will play a part in the case of ill health.

ProACT Partnership provide Expatriate Advice services for professionals, business and the retired living and working abroad. For guidance on tax efficiency talk to our tax, legal and financial consultants.

ProACT Partnership
info@proactpartnership.com

www.proactpartnership.com

Tel: +357 26 819 424      
Skype: ProACT.Cyprus

Is your pension suffering due to whims of market?

Source Daily Mail.co.uk
Read more: http://www.thisismoney.co.uk/money/pensions/article-2025182/Pension-pots-prudent-gains-wiped-market-rout.html#ixzz1VBF1cocS

 Millions of workers have seen their pension pot gains wiped out by the stock market rout over the past fortnight, experts warned yesterday.

The FTSE 100 has lost more than £240bn of its value since February and £185bn in the last ten turbulent trading days in one of the most brutal sell-offs in history.

And accountant PricewaterhouseCoopers says the worst-hit workers will now have a pension pot worth less than the money that they prudently put into it in the first place. Its report looked at the pension of a 40-year-old man earning £30,000. 

Over the past five years, his total contributions were £6,500 and his pension fund had grown to £7,500. 

But PwC says around £1,000 will have been wiped off its value due to the plunge in share prices.

Combined with £500 of charges over the five years, this means the £6,500 contributions are currently worth just £6,000.

The threat of a double dip recession in the West, the debt crisis in the eurozone, and an unprecedented downgrade to America’s credit rating has shaken investors' confidence. 

Yesterday the Chancellor George Osborne warned that excessive levels of debt around the world meant ‘this is the most dangerous time for the global economy since 2008' and that 'markets are waking up to this fact.'

At ProACT Expatriate Advice Services we are helping you to re- design your financial future. We can help you to relocate and start a business abroad in a more beneficial financial environment. We offer a high standard wide range of services and we stand by your side to protect you from doing critical financial mistakes which will downgrade your lifestyle. For further information feel more than welcome to send us your enquiry at: info@proactcyprus.com.

ProACT now!!! Don’t regret later!!

www.proactpartnership.com