Living an working abroad can be exciting and rewarding, but expat life also presents several challenges. There’s plenty to think about, including careers, accommodation, schooling, healthcare, social life and of course, our finances. When it comes to money, this is something that requires specialist help, if we are to maximise any opportunities and avoid any potential drawbacks that expatriate life can bring.

HSBC Bank International has over 40 years’ experience in serving the needs of people living and working abroad. And with Relationship Managers, many of whom are themselves expats, on the ground in key locations across the globe, they really do understand expats’ key financial needs and aspirations.

Since 2008, the Bank has been deepening its understanding of expat life by conducting the annual Expat Explorer survey, the world’s largest study on expat economics and lifestyle.

When it comes to managing, growing and protecting wealth, HSBC Bank International provides offshore solutions specifically designed to meet the unique needs and circumstances of people living and working abroad. These include savings and investments in up to 16 different currencies, portable protection policies that move with you as you move around the world, and of course, ways to maximise any potential tax efficiencies.

Your tax situation will depend on your personal circumstances and it is recommended that you obtain independent tax advice. Please remember that any investments related to stocks and shares can fall as well as rise and the income from them may go down as well as up, is not guaranteed, and you may not get back the amount you invested. This can also happen as a result of exchange rate fluctuations where overseas investments are held. You should aim to invest for at least five years.

For more information about the Expat Explorer study and its findings, and the full range of offshore products and services offered by HSBC Bank International, please visit  www.offshore.hsbc.com or call +44 (0) 1534 616075

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