Advice and guidance

• Specialist expertise and advice to help you deal with all sorts of opportunities and challenges.
• Ensure you don't pay more tax than you should.

Manage international transfers more smoothly

• Transfer money as cheaply as possible.
• Manage payments if you have properties in different countries.

Make your money work harder

• Ensure you make savings and investments in a well regulated environment.
• Restructure your investments to draw income in the currency that's best for you.
• English-speaking specialists to guide and support your investment.

Relationship Manager Service

• Your dedicated Relationship Manager.
• Access the same highly qualified Manager each and every time.
• One direct number to call — no call centres or queues.

International Wealth Management could be right for you if:

• You have £250,000 to save or invest.

• Any of this applies to you:
  • You're thinking of retiring or working abroad.
  • You've moved abroad and don't have the time to manage your investments.
  • You'd like to save or invest while you're earning abroad.
  • You're not sure which currency you should be banking or saving in.
  • You own property abroad.
  • You're a non-UK citizen working in the UK.

Because international life can be complex, we'll take time to get to know you and your unique circumstances, with tailored advice on a whole range of areas including:

• Managing your finances while you're abroad.
• Investing your portfolio to aim for a regular income in a different currency.
• Ensure you don't pay more tax than you should.
• Building up a nest egg that can cope with future uncertainty.
• Understanding the links you can maintain with your home country.

And, as you needs evolve, we can put you in touch with specialist expertise from across our network.

Invest in our Lifestyle Portfolios and you'll find our philosophy is tuned to reflect flexibility, open-mindedness... and a truly global approach:

• Spreading the risk — we diversify your holdings in collective investments, rather than individual stocks and bonds, to spread the risk.
• Lower fees — whenever we can, we invest a large part of your portfolio in lower charge tracker funds or cost-efficient Exchange Traded Funds (ETFs) to avoid high management fees.
• Smarter investing — we focus on optimal assets allocation* to drive our investment returns.
• A truly international focus — our team specialises in US dollars, Euro and international investments, not just Sterling and the FTSE.
• An open-minded approach — because no-one has a monopoly on the best investment ideas, we invest in the funds of other Investment Managers as well as our own.
• Expert Investment Managers — based at our Private Banking operation in Geneva, our Investment Managers are backed by a team of researchers, planners and analysts who are experts in their own right. It's their aim to make your investment a success by carefully monitoring the right asset classes and selecting the best funds.

* Asset allocation is an investment strategy that aims to balance risk and reward by apportioning a portfolio’s assets according to the investor’s risk tolerance, goals and investment time frame.