Most offshore investment bonds sold to expats carry total annual costs of 2 to 3.5%. Most clients have never seen the full number. And if you live in a zero or low-tax country — the tax wrapper you were sold it on may be delivering almost no benefit at all.
The Offshore Bond Review shows you the exact number — and what moving to a modern institutional account at 0.2% looks like over 10 years. Free 20-minute call. No obligation.
When an adviser sold you the bond, they almost certainly highlighted the tax efficiency and the open architecture — the ability to hold a diversified range of investments inside a single wrapper. Both of those things can be true — in the right circumstances. The question is whether your circumstances are the right ones.
An offshore bond is structured as a life insurance product, which gives it tax-deferred status in certain jurisdictions. In a country where income and capital gains are already zero — that tax deferral has almost no practical value. But the platform fee for maintaining that wrapper is very real — typically 1 to 1.5% of your bond value annually, on top of all other charges.
If you plan to return to a high-tax country eventually, the wrapper may have future value. If you plan to stay where you are — you may be paying a meaningful annual cost for a benefit you are not currently receiving.
On the other hand — a pure international investment account is a different structure entirely. It gives you full open architecture, genuine institutional access, and the investment freedoms you were told you had in the bond — without the insurance wrapper cost and without the commission structure built in.
Enter your bond or portfolio value and your best estimate of the current total fee. We will show you what you are paying today, what 0.2% looks like, and what the difference compounds to over 10 years.
Offshore bonds were sold to British expats in enormous volumes from the 1990s onwards. The commission structure made them highly attractive to advisers. Most clients were never shown the full fee picture — or the alternative.
Tens of thousands of Scandinavian professionals live and work across Europe, the Middle East, and beyond. Many were introduced to offshore bonds through international adviser networks during their first years abroad — often without fully understanding the cost structure.
Americans abroad face unique complexity — FATCA, FBAR reporting, and the fact that most platforms and advisers refuse to work with US citizens. A small number of institutional platforms in top-tier jurisdictions do accept Americans. The review can show you what is actually accessible.
Private banking clients typically pay 2.5–3% in combined discretionary management, platform, and fund fees annually — on top of which performance is open-ended and outcomes undefined. The review shows what the same capital can produce with defined outcomes and a fraction of the cost.
If you have a managed portfolio with an IFA or wealth manager charging 1.5% or more (this is only a part of the fee — the total including platform and fund costs is often close to 3%) — and you have never added up the full stack — the review starts with that number. For most people it is the first time they have seen it.
The fee saving alone is significant. But it is only half the picture. Moving from an offshore bond to a modern institutional investment account also opens access to solutions that were not available inside the wrapper.
The difference between paying 2.5% and 0.2% — every year, compounding. On a 500,000 position that is over 11,500 per year staying in your account instead of leaving it.
Over 10 years, compounded, the difference in terminal value from fees alone is substantial — and that is before a single improvement in returns.
Institutional solutions — capital-protected income at 6–10% annually, or growth strategies with a defined maximum loss — typically produce 5–7% more per year than the managed portfolios inside most offshore bonds.
Combined with the fee saving: the total annual improvement is often 7% or more. On your capital. Every year. With defined outcomes agreed in advance.
On a 500,000 position, 7% more per year is 35,000 annually. The review costs 1,500 and is recovered within weeks.
The initial 20-minute call is completely free. If the review makes sense for your situation, the full review fee is 1,500.
The complete review fee. This covers the full cost analysis, the institutional market review, the options presentation, and all follow-up questions until you have complete clarity on your situation.
If you choose to proceed with any of the options shown to you — the 1,500 is applied in full toward the implementation costs. In most cases it never feels like a cost at all.
We present options. We explain every detail. We answer every question. You make the decision — fully informed, entirely in control, with no pressure from us at any point.
You do not need your bond documents for the first call. Just a rough idea of the value and the provider. We ask the questions. You leave knowing whether the full review makes sense for your situation.
Pick a time that works. No documents needed. No preparation. We ask the questions.
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