We all have our own reasons for saving – enjoying our retirement, fulfilling a long-held ambition or providing for a specific event such as a child's wedding or university fees. For those with foresight, the comfort of knowing you have effectively planned your finances is reason enough to ensure your money is working as hard as it can for you.

Whatever your reason, there's no magic formula for success. Only by committing to forego some of your spending power now, can you expect to fulfil your ambitions and achieve financial security in the future.

Whilst Candour would always recommend getting sound, impartial advice on your individual circumstances, the links provided will give you a good basic understanding of the principles on which we base our advice.

Once you are aware of the fundamentals, please feel free to Contact Us should you wish to apply this to your personal circumstances and plan accordingly.

Saving & Investing with Candour Consultancy
Candour Consultancy works closely with the worlds leading offshore financial services providers to bring our clients widest range of tax-efficient savings and investment solutions.

The Candour Portfolio Service
Whilst overseas, most expatriates take advantage of an offshore savings plan or an offshore investment bond to access returns that are potentially much higher than you would receive through a bank account. These products require the policyholder to select, monitor and manage a range of offshore investment funds; which is not something the average expatriate has either the time or inclination to do.

 
The 7 Sins of Offshore Saving & Investment

Whether it’s a financial spring clean or an annual review with a financial adviser, it is always a good time for investors to take-stock, not only of their existing portfolio, but their approach to investing for the future. Here we set out seven common errors to avoid when investing for the future.

Mirror Funds Explained
All the offshore financial institutions are competing for the same business, virtually all are based in the UK offshore islands, operate under the same regulation, employ the same demographic of staff, have offices of roughly the same sizes and pay advisers the same introduces fees; i.e. their overheads are roughly the same. So when you are shopping around for the best offshore savings plan, pension or investment, why are there such huge discrepancies in the published charges and the illustrations of potential returns?

Successful Education Fee Planning

A good education is one of the few investments that can be made for a child that will be of permanent benefit. However, building this benefit can involve effective planning and considerable outlay from either capital or income.
 

Saving for that Special Day
The cost of raising a child is becoming increasingly expensive each year! With higher university fees, getting on the property ladder and the cost of weddings all proving too expensive for many young people to fund alone, parents are increasingly challenged to find ways of providing financial support for their children later in life.

It may seem like jumping the gun, but the sooner you start saving for your child's wedding the better it will be in the long run.