OFFSHORE INVESTING & BANK ACCOUNTS

 

At Vista Wealth we recommend a client’s offshore exposure to be at least 50% of their total investment portfolio. In order to accomplish this we’ve had to smooth the offshore investment process. We can now get our client’s ZAR converted and into a foreign denominated currency bank account within one week. We can then invest the foreign currency in an offshore JP Morgan trading account OR an offshore structure in Bermuda, Guernsey or Jersey through Allan Gray, Glacier, Investec, Stanlib or Momentum. The process end-to-end can take as little as two weeks.

Below a high level list of offshore investment services we provide at Vista Wealth:

  1. Foreign denominated currency bank accounts with transparent and low conversion rates
  2. Offshore share portfolios – Foreign currency denominated
    1. Shares – Invest directly in shares like Google, Boeing and Visa
    2. Exchange Traded Funds (ETFs) – Invest directly in international ETFs like S&P500, Vanguard and Biotechnology
    3. Investment Trusts – Low cost actively managed funds like Monks, Bankers and other themed trusts
  3. Offshore unit trust investment – Foreign currency denominated
    1. Invest in FSB approved offshore unit trusts
    2. Invest in some of the best international unit trusts like Dodge & Cox, Schroder and Orbis to name a few
  4. Offshore single stock futures (IDX) – Rand denominated
    1. Through our affiliation with Intrepid Capital, investors can take leveraged positions on international shares. Traded and cleared on the Johannesburg Stock Exchange (JSE)
  5. Local share portfolios – Rand denominated
    1. Invest directly in shares in dual listed companies listed on the JSE
    2. Invest directly in ETFs based on foreign indices and themes listed on the JSE
  6. Offshore tax wrappers where investors are taxed at a maximum of 30% as oppose to the potential 45% tax rate for higher income earners – Foreign currency and Rand denominated
  7. Capital and return guaranteed foreign underlying products – Rand denominated
    1. Investec Euro Stoxx 50 ESP If the Euro Stoxx 50 index is equal or greater than the initial value in 3 years, investor gains 59% return. Alternatively the investor gets 100% capital back
    2. Liberty Advanced Global Equity If a combination of the S&P500 and Euro Stoxx 50 indices are greater than the initial value in 5 years, investors gains at least 65%. Should the underlying indices return more than 65% over the period, investors will receive that additional return too. Alternatively the investor gets 100% capital back
    3. Momentum Growth Optimiser If the BNP Paribas Multi-Asset Diversified index has a negative return over 5 years, the investor is guaranteed a 15% return plus the investor gets 100% capital back
    4. Sanlam Glacier Capital Enhancer If the Euro Stoxx 50 index is greater than the initial value in 5 years, investors gains at least 80% (before tax). Should the underlying index return more than 80% over the period, investors will receive that additional return too. Alternatively the investor gets 100% capital back
Index return at end of term?
Issuer Underlying index Term Negative or 0%
growth
Positive growth  Positive growth
annualised return
Share in upside
Investec Euro Stoxx 50 Equity Euro Stoxx 50 3 Years 100% capital back 45% net fees & CGT of 18% 13.2% No
Liberty Advanced Global Equity Euro Stoxx 50 / S&P 500 5 Years 100% capital back 65% net fees & tax 10.5% All return above 73%
Momentum Growth Optimiser BNP Paribas Multi-Asset
Diversified
5 Years 115% capital back 15% if between 0% & 15% growth 2.8% 500% gearing above 15%
Sanlam Glacier Capital Enhancer Euro Stoxx 50 5 Years 100% capital back 70% net fees & tax 11.2% All return above 80%

 

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