SJB Global

Planning for retirement means finding the right mix of growth and protection. Fixed index annuities (FIAs) can help, offering market-linked potential while keeping your principal safe. ? Growth potential tied to a market index ? Protection from market downturns ? Tax-deferred earnings FIAs can be a great fit for conservative investors, retirees seeking steady income, or those looking for tax advantages. But they also come with caps, participation rates, and surrender charges to consider. Is an FIA right for your retirement strategy? Read our latest article for insights. #RetirementPlanning #Annuities #WealthManagement

If you’re UK-domiciled (and many expats still are), your estate could face a hefty tax bill when you pass. That means your loved ones might receive far less than you intended. The good news? With the right planning, you can reduce your liability and ensure more of your wealth goes where you want it to. Our latest article discusses some key strategies. #InheritanceTax #EstatePlanning #FinancialSecurity

Your retirement savings don’t have to ride the market’s ups and downs. Diversify, rebalance, and plan ahead. If you’re wondering how to stay steady through uncertainty, our latest article discusses it all. #RetirementConfidence #SmartInvesting #SJBGlobal

Pension fees can quietly eat away at your savings, but do you know how much you’re actually paying? Jake Barber discusses the real costs of QROPS with offshore bonds vs. SIPPs with an investment platform and what that means for your retirement. Key topics: ?? How much QROPS & SIPPs really cost ?? The hidden impact of advisor commissions ?? Why high fees could shrink your savings ?? A cheaper alternative to keep more of your money Get a obligation free pension X-ray review: https://lnkd.in/gJVbfFx #QROPS #PensionFees #SIPP #RetirementPlanning #OffshorePensions #InvestmentFees #FinancialPlanning

The world is changing fast, and some shifts will redefine how we live, work, and invest. From AI and ageing populations to sustainability and smart cities, we've been thinking a lot about the megatrends shaping the next decade. We discuss them in our latest article, give it a read! #FutureTrends #AI #Investing #Sustainability

Capital Gains Tax (CGT) can eat into your profits, but with the right strategy, you can legally minimize or defer it in certain countries. From Belgium’s CGT-free passive investments to Spain’s tax-efficient SCIB structure, there are plenty of opportunities to grow your wealth while keeping taxes low. Wondering where you can invest with minimal tax? Check out our full guide here! #Investing #WealthManagement #TaxPlanning #CapitalGainsTax #FinancialFreedom

Are your investments tax-efficient? ?? The wrong setup could mean double taxation, unexpected liabilities, or costly inheritance tax. In our latest video Jake covers: ? Tax-neutral jurisdictions ? U.S. vs. Irish/Luxembourg domiciled investments ? Hidden tax traps & how to avoid them #Investing #Expats #TaxEfficiency #WealthManagement

The government’s new plan could unlock billions, giving pension funds the freedom to invest in startups, infrastructure, and private equity. The goal? Boost economic growth and deliver better returns for retirees. With more exposure to volatile markets, is this a smart strategy, or a risky bet on pensioners’ futures? #PensionReform #Investments #Economy #Retirement

Investment Planning Simplified! ?? Jake covers everything from risk tolerance to global diversification in this breakdown: - Risk tolerance & allocation - Why global diversification matters - Active vs. passive investing #FinancialPlanning #ETFs #WealthManagement

As the year comes to an end, it’s the perfect time to pause and think about what’s next. What’s driving you toward financial freedom? ?Start by setting clear, meaningful goals for 2025. ?Then, map out simple steps to keep moving forward. Staying focused can be tough, but every little step adds up. From all of us at SJB GLOBAL, have a Happy New Year! #FinancialFreedom #NewYearGoals #SmallStepsBigWins