Everything Counts | Episode 32: Should you move your retirement savings offshore?
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Are you worried about whether your retirement savings are safe and working as hard as they can?
This episode of Everything Counts dives deep into the realities of moving your retirement savings offshore and what it means for South Africans planning for the future.
Join host Motheo Khoaripe as he chats with Investec’s Kate Robson, co-head of My Investments, and Johan Loubser, head of adviser enablement, to explore the myths, benefits and risks of offshore retirement investing. From currency risk and diversification to tax rules, estate planning and offshore investment returns, they unpack everything you need to know to make informed decisions.
Learn how offshore retirement plans can protect your savings, why spreading your investments across countries and currencies matters, and the steps to ensure your portfolio is aligned with your long-term goals. Discover why careful planning, expert advice and understanding the rules are key to making offshore investing work for you.
Whether you’re just starting to save, considering retiring overseas, or looking for smarter ways to grow and protect your retirement savings, this episode empowers you to take control of your financial future.
00:00 Introduction
01:58 Offshore investing vs offshore retirement investing
02:45 Offshore investing for people retiring locally vs retiring abroad
05:15 Regulation 28
06:37 Is offshore investing only for the wealthy?
08:33 Benefits of offshore investing
09:48 Timing an offshore investment right
12:18 Matching your retirement savings to where you’ll spend
15:35 Tax implications of investing abroad
17:16 Estate planning with offshore investments
20:32 Risk vs reward of offshore investing
21:46 The role of a financial adviser in offshore investments
23:20 Where offshore retirement investing fits into a portfolio
24:52 Conclusion
This episode of Everything Counts dives deep into the realities of moving your retirement savings offshore and what it means for South Africans planning for the future.
Join host Motheo Khoaripe as he chats with Investec’s Kate Robson, co-head of My Investments, and Johan Loubser, head of adviser enablement, to explore the myths, benefits and risks of offshore retirement investing. From currency risk and diversification to tax rules, estate planning and offshore investment returns, they unpack everything you need to know to make informed decisions.
Learn how offshore retirement plans can protect your savings, why spreading your investments across countries and currencies matters, and the steps to ensure your portfolio is aligned with your long-term goals. Discover why careful planning, expert advice and understanding the rules are key to making offshore investing work for you.
Whether you’re just starting to save, considering retiring overseas, or looking for smarter ways to grow and protect your retirement savings, this episode empowers you to take control of your financial future.
00:00 Introduction
01:58 Offshore investing vs offshore retirement investing
02:45 Offshore investing for people retiring locally vs retiring abroad
05:15 Regulation 28
06:37 Is offshore investing only for the wealthy?
08:33 Benefits of offshore investing
09:48 Timing an offshore investment right
12:18 Matching your retirement savings to where you’ll spend
15:35 Tax implications of investing abroad
17:16 Estate planning with offshore investments
20:32 Risk vs reward of offshore investing
21:46 The role of a financial adviser in offshore investments
23:20 Where offshore retirement investing fits into a portfolio
24:52 Conclusion
