A High-Earning Expat and The Retirement Gap Hiding in Plain Sight
Mark is a 38-year-old Australian executive who moved to Dubai eight years ago to accelerate his career. As with most expats, his income rose, his tax rate fell to zero and his lifestyle improved significantly.
What disappeared in the background was his pension (Superannuation) contributions.
Mark was saving cash aggressively, investing sporadically and believed he was doing enough. When he approached KC Private Wealth, he had accumulated approximately USD600,000 in cash and ad-hoc investments but had no coherent retirement plan.
Identifying the Risk
We modelled Mark’s financial position in detail. Even with strong savings, his existing approach pointed to a material retirement shortfall by his late sixties, particularly if he returned to a taxable jurisdiction.
We implemented a disciplined offshore retirement strategy, reallocated capital into a professionally managed growth-oriented portfolio, exactly as he should have been doing from the day he moved offshore.
Using a 14% annualised return over ten years as an illustrative example, Mark’s USD600,000 would grow to approximately USD 2.2 million.
The KC Private Wealth Solution
A dedicated investment structure was established and managed by KC Private Wealth’s in-house analysts.
This allowed for unrestricted access to financial markets so his capital could be tilted toward growth assets initially, with a clear path toward moderation and defensiveness as Mark approached retirement and time horizons shortened. Contributions were automated to replicate the discipline of a pension system Mark no longer had access to.
We also incorporated jurisdiction-specific planning (Australia), ensuring flexibility and tax optimization for the country he planned to draw these funds from.
Outcome
Mark now has certainty around his retirement trajectory, an actively managed ‘pension’ tailored to his time horizon and an ongoing relationship to continuously optimize for his income requirements and any changes in his objectives.
Get in touch
Have questions or need assistance? Contact us today to schedule a complimentary, no-obligation meeting.
Whether you’re looking for advice or just want to explore your options, our team is ready to provide expert guidance.
Meet Kevin Crowther
Top-Rated Financial Adviser in Dubai
Kevin Crowther is a trusted financial advisor in the UAE, providing expert financial planning for families, expatriates and high-net-worth individuals.
Kevin delivers a Family Office solution to each client, including personalised strategies for wealth preservation, investment growth and intergenerational estate planning – he ensures your assets are protected and optimised at every stage of your life and every plan is aligned with your long-term goals.
With an exceptional track record, evidenced by client testimonials (below) and Amazon No1 best-selling book, Kevin delivers continuous guidance, risk management and emphasis on building a long-term partnership with every client. Contact Kevin so you can confidently secure your family’s legacy and achieve financial success with Dubai’s leading financial planner.
