A flexible assurance vie policy for internationally mobile expats What it is. The Private Client Portfolio, or PCP, from Utmost Luxembourg is a whole of life, unit linked assurance vie solution designed for private and high net worth...
How we build and manage portfolios for the long term. Successful portfolio management is not about reacting to short-term market noise. It is about applying a clear, disciplined and repeatable framework that works across market cycles. Our approach rests...
Why internationally mobile investors increasingly use Luxembourg policies to manage cross-border tax and succession planning. Mobility is one of the defining features of expatriate life. Careers change, family circumstances evolve, and many British expatriates living...
Specialist insurers built for international wealth planning What it is. Luxembourg’s “pure players” are insurers whose business is mostly focused on international assurance vie and Private Portfolio Bonds (PPBs). Their structures and investment...
A flexible savings wrapper with powerful estate-planning advantages What it is. The contrat de capitalisation is a long-term savings wrapper that mirrors the structure and tax treatment of an assurance vie, only the consequences in the event...
How an 82-year-old Brit used it for tax-efficient inheritance The situation. Brian*, an 82-year-old British retiree living in France, is divorced, has children and holds an S1, exempting him from French social charges. His income consists of £5,500 UK...
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