Retirement planning for expats - grow your wealth with HSBC Expat

Retirement planning - things to consider

To avoid a shortfall in your retirement savings, you need to keep your finances in good shape while you're living or working abroad.

As an expat, you may be able to take advantage of the potential tax benefits* with your savings and investments – and you could get better protection for your family. You also need to look at how you’re going to build your retirement income if you can’t continue to pay into your personal pension back home.

When you're planning for retirement, there are some key issues you need to consider:

  • Where do you want to live when you retire? - If you're thinking of retiring abroad, it's worth checking how the cost of living compares with other countries.
  • Could you retire early? - If working abroad gives you more disposable income, you may be able to consider early retirement.
  • Are there any major expenses on the horizon? - Even if your children have flown the nest, you might want to help them buy a property, pay for a wedding or give your grandchildren the best start in life.
  • Have you written your Will? - If you haven't already written a will, now's the time to clarify how you want to pass on your wealth. This can be complex, especially if you have assets in more than one country.

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Saving and investing

Protecting your wealth

Inheritance planning

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Our wealth managers are specialists in retirement planning for expats. They understand expat life - and the unique challenges you face when you're living or working abroad. So they can help you find the best ways to grow and protect your wealth, including opportunities you may not have considered.

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The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. Most investments should be considered as a medium to long-term commitment, meaning you should be prepared to hold them for at least five years.

*The value of tax treatment will depend on your individual circumstances and may be subject to change in the future.

For UK pensions, pensions may not be accessible until you take your retirement benefits

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Whatever your retirement goals, we can help you achieve them.

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