Belgian client planning on moving to Spain and wanting current investments and cash to be as tax efficient as possible in Spain. Existing investments were in funds and ETF’s (all held with the clients bank in Belgium) and fixed deposits. Some of the exisiting investments the client wanted to hold on to and some of them dispose of but wanted full advice and recommendations on this. Ultimately this investment would fund him and his wife once they retired. He wanted the keep things as simple as possible with reporting etc. in Spain and have the portfolio managed for them.

Belgian couple with savings accrued over the years and from inheritance wanting it to be consolidated into a tax efficient plan. They wanted to get a higher return than that offered by the bank and to beat inflation. They wanted it to be tax efficient and to then provide additional income in retirement, when they wanted to benefit from their years of work and start enjoying life more. They also wanted the option to have a plan that was adaptable should they choose to relocate to Spain later on, something that was quite probable as they would inherit a family owned house at some point. Security was paramount.

A widowed client in excellent health wished to restructure her substantial investments, which were previously held through her bank at high cost and limited growth.
Her goals included better performance, reduced fees, and improved tax efficiency, while maintaining control of her capital.
She intended the portfolio to provide an inheritance for her only child with minimal inheritance tax exposure, yet wanted the option to draw income later or gift partial funds before death. Transparency and regular performance reporting were also essential.

The client held substantial cash savings and sought professional investment management to achieve balanced growth. The main objectives were to:

• Divide the savings between short-term and long-term investments.
• Achieve a reasonable rate of return without excessive risk.
• Maintain access to funds for potential income in retirement, though this was unlikely to be needed given an already adequate pension.
• Ensure the funds would pass smoothly to his wife and three children after his death.

Ten years from retirement our client required a strategy to:

1. Grow current savings for retirement.

2. Add surplus income and bonuses efficiently.

3. Maximize tax efficiency in retirement.

4. Ensure continued benefits for the spouse and eventual transfer to children.

5. Maintain flexibility if relocating from Portugal in the future.

The challenge was to design a transportable, compliant, and tax-advantaged investment plan suited to Portuguese regulations and future mobility.