Guides, tools, and research for European expats in Southeast Asia
Tax, pensions, investment structuring, and estate planning, specific to your country of residence. Not generic. Not hedged. The structural picture as it actually works.
Expat finance by country
Each guide covers the tax system, pension interactions, investment structuring, and estate planning for European professionals based in that country.
Singapore Expat Finance
Territorial tax, no CGT, CPF exclusion for EP holders, MAS regulation, Irish UCITS vs US ETFs, ABSD property rules.
Read guide → 🇹ðŸ‡Thailand Expat Finance
The 2024 remittance rule, LTR visa tax regimes, SIPP drawdown in Bangkok, European pension portability, Thai succession law.
Read guide → 🇻🇳Vietnam Expat Finance
Worldwide taxation for tax residents, progressive PIT rates, DTA coverage, investment account structuring, succession for foreigners.
Read guide → 🇮🇩Indonesia Expat Finance
Worldwide taxation, KITAS/KITAP residency, HPP Law 35% top rate, restricted foreign property ownership, IDR currency risk.
Read guide → 🇵ðŸ‡Philippines Expat Finance
TRAIN Law rates, BIR registration, SRRV retirement visa, restricted foreign land ownership, cross-border estate structuring.
Read guide →Get the expat financial planning checklist
One page. No spam. The key points for European expats in Southeast Asia.
In-depth research
Practitioner-level analysis on specific cross-border financial topics. The structural picture with no hedging.
UK Pension Transfer Framework
When a CETV transfer makes structural sense for a Southeast Asia-based expat, and when it does not. The variables that actually matter.
Read research →UCITS vs US ETFs
US estate tax exposure, dividend withholding, accumulating vs distributing share classes, and why fund domicile is not a detail.
Read research →Estate Planning for Expats
Forced heirship rules, cross-border succession, trust structures, and how jurisdiction of domicile affects who inherits what.
Read research →Offshore Bonds: The Real Cost
Commission structures, surrender charges, product wrapper costs, and the compounding drag that most illustrations do not show clearly.
Read research →Financial planning tools
Calculators and reference tools for cross-border financial decisions. Run the numbers on your own situation.
CETV Estimator
Estimate the cash equivalent transfer value of a defined benefit pension based on key scheme inputs.
Use tool →UK State Pension Calculator
Model your projected State Pension based on NI contribution years, gaps, and voluntary top-up options.
Use tool →Pension Decision Tree
Step through the key transfer decision variables: scheme type, CETV multiple, country of residence, tax position.
Use tool →Country Comparison Tool
Compare tax treatment, pension rules, and investment structuring across Southeast Asian jurisdictions side by side.
Use tool →Blind Spots Diagnostic
Identify the structural gaps most commonly missed by European expats: tax, pensions, investments, estate.
Use tool →Expat Finance Quiz
Eight questions that reveal where your cross-border financial structure is exposed and what to address first.
Start quiz →Your home country changes the picture
Pension rules, tax treaties, estate laws, and home-country reporting obligations differ by nationality. Start with your country.
French Expats in Southeast Asia
French pension system interactions, DGFiP obligations abroad, assurance-vie portability, and DTA coverage for SE Asian jurisdictions.
Read guide → 🇩🇪German Expats in Southeast Asia
Deutsche Rentenversicherung, Riester and Ruerup portability, German unlimited tax liability rules, and investment structuring outside Germany.
Read guide → 🇳🇱Dutch Expats in Southeast Asia
AOW state pension, occupational pension portability, Box 3 wealth tax implications, and Dutch-SEA double tax treaties.
Read guide → 🇪🇸Spanish Expats in Southeast Asia
Seguridad Social pension rights abroad, Beckham Law implications, Spanish wealth tax exposure, and cross-border inheritance rules.
Read guide → 🇷🇴Romanian Expats in Southeast Asia
Romanian state pension portability, EU social security coordination, ANAF obligations, and investment structuring for Romania-connected expats.
Read guide →Tax reference and double tax agreements
Country-level tax quick references and the DTA provisions that determine where your income, pension, and gains are taxed as an expat.
Malaysia Tax Quick Reference
PIT rates, territorial scope, remittance rules, EPF treatment, and investment income taxation for foreign residents.
View reference →Singapore Tax Quick Reference
Territorial system, no CGT, employment income sourcing, CPF exclusions, and the absence of dividend and inheritance tax.
View reference →Thailand Tax Quick Reference
2024 worldwide remittance rule, LTR visa exemptions, progressive PIT rates, and the treaty network covering pension income.
View reference →Vietnam Tax Quick Reference
183-day residency trigger, worldwide PIT for residents, PIT on foreign employment income, and treaty relief provisions.
View reference →Indonesia Tax Quick Reference
HPP Law 35% top rate, worldwide taxation for residents, KITAS/KITAP implications, and WHT on investment income.
View reference →UK-Malaysia Double Tax Agreement
Pension article, employment income sourcing, dividend and interest withholding, and tiebreaker residency provisions.
View treaty →UK-Singapore Double Tax Agreement
Pension taxing rights, employment income sourcing, the absence of WHT on dividends from Singapore, and residency tiebreakers.
View treaty →UK-Thailand Double Tax Agreement
How pension income is split between HMRC and the Thai Revenue Department, and the interaction with LTR visa tax regimes.
View treaty →UK-UAE Double Tax Agreement
UAE zero income tax environment, UK pension income treatment for UAE-resident expats, HMRC non-resident rules, and QROPS suitability.
View treaty →France-Malaysia Double Tax Agreement
Pension taxing rights for French expats in Malaysia, employment income allocation, and interaction with Malaysia's FSI exemption.
View treaty →Find what applies to your situation
Start with the outcome you need. Each section maps the structural options relevant to European expats in Southeast Asia.
Consolidate My Pensions
Multiple UK pension pots, scattered across providers. How to assess, consolidate, and structure them for life as a long-term expat.
See options →Reduce My Expat Tax
The structural levers available to European expats: treaty positions, account domicile, income timing, and entity structuring.
See options →Structure My Investments
Account type, fund domicile, share class, and jurisdiction: the four variables that determine after-tax returns for non-US expat investors.
See options →Plan My Retirement Abroad
Drawdown sequencing, pension timing, currency exposure, residency choices, and the estate implications of retiring outside your home country.
See options →