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@everson What product/provider are you currently with? Other users are correct that there are providers which will allow you to open accounts without being UK resident, but it’s worth having a look at the current setup too to see what can be done with this.

@david_loves_boats Yeah without some massive increase in the tax take, the aging population means it’s just going to be unsustainable for UKGOV to maintain the state pension in its current form in the long run. Bit of an open secret, but one no party who wants to win an election is going to address.

@david_loves_boats I’m a fully qualified UK financial advisor. Do both. The UK state pension in later life will not provide you with a decent quality of living - especially if you wish to retire to the UK. There are also questions around whether or not it will even exist by the time you retire...

@alexstore06 What a weird way to reply lol https://googlethatforyou.com?q=do%20financial%20advisors%20add%20alpha At the end of the day you don’t need to pay for financial advice, you do you buddy. You already said you’re happy with not having any alpha which is a bit strange but absolutely...

@alexstore06 Yes, it’s very easy. I am qualified to provide financial advice. Why are you ignoring my questions?

@alexstore06 Yes, just google something like ‘do financial advisers add alpha’. There are multiple sources, which is the reason for the range I gave. Fidelity is the most often cited as they update regularly, and have multiple geographies studied - but they are not the only source. :)...

@alexstore06 “Net of fees”. That means after the associated fees have been taken into consideration, and it’s an industry average. You’re balking at paying a 2% adviser fee (a ludicrously high fee in most countries) because it will… give you more money back than you paid in fees on top of the...

@kakka_carrot_cake Research shows having a financial advisor on account adds between 2% and 4% net of fees every year - not bad. More importantly though a good financial advisor should be adding value every quarter to a value of multiples of your 1%. This could include for example: - Tax...

@bonnex There are a number of online investment platforms, insurance companies, and brokerage accounts which can be used as a China resident - and will allow you to get your money out at the other end. If you have a UK address it should be easy to set up a UK based account too - but contributing...

@whitesunshinee Novia Global and Ardan International both require a financial advisor to be present on the account, they only provide access via referral from a suitable professional. This is generally the case with such platforms, however getting professional advice would be entirely right in...

@sofie Yes, it is true that there a lot of unscrupulous characters. The insurance products should disclose the commissions in their literature (will be in the terms & conditions) however, and OP can always elect to work with a fee-only adviser if looking to take professional financial advice...

@eve_marie Hi, You’re right in thinking that ISAs are not available to you, however even if they were then you’d run into issues around how much can be placed within an ISA (£20k per annum, £40k assuming you gift £20k to your wife and used her allowance too). Offshore bonds are an option for...

@mpebv Short answer is not taxable. Long answer is that the way UK pensions generally work is that a pension trust actually owns the assets, and so it’s the pension trust who actually has the gains. You’re a beneficiary of that trust. That all being said, you are potentially liable for...

@mitchelle Infinity Financial Solutions in Cambodia are worthwhile talking to. The adviser based in Cambodia is head of the national Road Safety Committee, funnily enough. They also have some French advisors if you prefer to speak in French, though those are based in VN and Thailand.