SJP British
Financial planning and advice for UK expats in Hong Kong
With over a decade of experience supporting British expatriates in Asia, our financial advisers know that transparency and personalisation are core to financial planning for UK expats.
We provide seamless access to a full range of financial solutions — all in one place. Whether you're growing your wealth, planning for retirement, moving assets across borders, or structuring your estate to maximise tax efficiency, our network of specialists delivers tailored strategies to help protect your assets and achieve your financial goals.
Key financial challenges for British expats in Hong Kong
Financial planning when abroad can feel a lot like a game of whack-a-mole. To maximise your wealth, there are different taxation laws to navigate, inflationary pressures to combat, and the crucial task of optimising taxes like Capital Gains Tax or Inheritance Tax.
As your trusted financial adviser, we provide advice attuned to your specific concerns as an expat, such as managing international fund transfers, multi-currency investments and complying with tax regulations across borders.
But that’s not all. Our solutions also offer practical advice on investment options for British expats, strategically optimising your finances across both Hong Kong and the UK. With these qualities at the ready, we help ensure your global financial strategy is not only internationally compliant but also strategically aligned with your lifestyle and long-term goals.
Everything comes with tradeoffs. As an expat in Asia, you may benefit from the comparatively low-income tax environment, but did you know that your UK assets are subject to heavy UK taxes?
Our financial advisers can help you maximise your financial advantage while living abroad as an expat.
Most expatriates underestimate the power of inflation and its eroding effects on hard-earned wealth.
Talk to our financial advisers today and find out what steps you can take to guard the value of your cash deposit accounts and financial assets from the whims of the global financial market while living abroad.
While it’s conventional knowledge that expatriates enjoy lower taxes in Hong Kong, the often-overlooked matter is whether expatriates are maximising their income potential during this period.
The first question to ask is: What currency should you invest in?
Unfortunately, currencies are volatile, and neglecting this critical factor in your financial planning can negatively affect your wealth. Similarly, a poor exchange rate can also affect overseas transfers.
Expatriates in Hong Kong
Being an expat in Hong Kong has advantages and disadvantages that differ from person to person.
The most important thing is to make sure that you’re aware of the financial implications and the benefits that you can enjoy while residing offshore.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. You are advised to seek independent tax advice from suitably qualified professionals before making any decision as to the tax implications of any investment.