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Expat Investor : October 2008
INVESTMENT BANKING business interests or property in more than one country and have a minimum of £50,000/ US$100,000/€100,000 or rounded currency equivalent to deposit into this account. A fixed term deposit account is an ideal place to hold cash for a defined period of time. As a fixed- rate product with low risk, it can be a straightforward growth alternative to investing.With a minimum of £50,000/US$100,000/€100,000 or rounded currency equivalent deposited into this account, it can give you the opportunity to build your wealth without tying up your funds or taking higher risks sometimes associated with investing in markets. Upon starting your relationship with RBC Wealth Management, you will be assigned a dedicated relationship manager who will help agree a personal finance strategy designed to meet your current aspirations. Your relationship manager will then assess your financial requirements and introduce you to the range of solutions provided by the RBC Wealth Management network. Relationships, expertise and choice are the hallmarks of the RBC Wealth Management network. Relationships – we begin with a dedicated relationship manager who gains a thorough understanding of your financial needs and objectives, your family and business circumstances and your current financial arrangements. Expertise – your relationship manager can bring together a team of specialists that may include private bankers, investment advisers and trust practitioners.We can also introduce you to external advisers and specialists when necessary. Choice – the RBC Wealth Management network provides international banking services, discretionary investment management, full service brokerage (international investment advisory) and international trusts and estate planning in numerous countries to offer the choices to realise your objectives. We believe ongoing care is critical in preserving assets. As a person with global interests, you may be concerned with currency fluctuations, inflationary trends, economic uncertainties or political instabilities.We take these concerns into account when helping you to develop your personal financial strategy.We conduct annual reviews to ensure that your individual financial plan takes into account any changes in your needs or circumstance. JOHN COYLE Managing Director Isle of Man, Standard Bank For expatriates juggling money in a variety of countries, moving regularly, or having to transfer cash from one country to another can become time consuming and so R Standard Bank can offer a personal relationship manager to help manage all of your financial needs. Our advisors have the knowledge and authority to help you navigate your way through the financial world. series and very popular Global Portfolio Picker and Agricultural Accelerator. Don’t be daunted, your relationship manager can explain everything, as well as offering you a personalised approach to “... your relationship manager can explain everything, as well as offering you a personalised approach to relationship management and your specific needs.” From offices in Jersey and the Isle of Man, they can help arrange all your banking needs regardless of where you are, or where you are going, as well as giving you access to an excellent range of investment opportunities such as our new relationship management and your specific needs. The best thing, though, is that this personalised service is not exclusively for the ultra-rich. Only £3,000 or US$5,000 is required to open an Optimum account which is a day-to-day transactional account ideally suited to the multi- currency everyday banking needs of the busy expatriate. And as your assets grow, so too does the range of banking and investment services which we can offer. For example, not only does Standard Bank have a range of comprehensive savings products such as our high interest Expatriate Savings account but we can also provide you with access to an exciting range of capital- guaranteed structured products for as little as £10,000 or US$20,000. An increasingly volatile world market means that expatriates need to feel confident that their bank is offering them flexibility and assurance, and our range of international wealth management solutions put together by our experienced team of private bankers means we can also draw upon our in-house expertise in trust and company structuring. Combining this with our dedicated asset management skills means that we can manage the most complex financial situations. Standard Bank is one of the world’s foremost emerging market banking groups and our wide ranging resources means we can truly assist expatriate clients with their very specialised requirements. FAST FACTS Fairbairn Private Bank 88140 Investec Bank (CI) 88141 RBC Wealth Management 88142 KaupthingSinger & Friedlander (IOM) Rothschild CI Standard Bank 88143 88144 88145 For more information just enter the above numbers on the Reader Reply Service coupon on page 20 or visit www.expatinvestor.com When you look at interest rates you might also be interested in some of these figures To find our more about our great savings rates, call us, visit our website or email us (quoting ref STSEI) There’s strength and then there’s Zurich strength £19.1bn £0.8bn Bradford & Bingley PLC £1.3bn Alliance & Leicester PLC £1.8bn Landsbanki Islands HF £3.4bn Market Capitalisation as at 19.08.08 Anglo-Irish Bank Corporation PLC £3.4bn Kaupthing Bank Zurich Zurich Bank International Limited is part of Zurich Financial Services, the global financial services provider that has been helping people find financial solutions for 136 years. This year Zurich Bank International celebrates 25 successful years in the Isle of Man. With competitive products across the banking range and all the advantages of global reach and scale, why not take a look? www.zurichbankinternational.com e-mail: email@example.com tel: +44 1624 671666 Zurich Bank International Limited, PO Box 422, Lord Street, Douglas, Isle of Man IM99 3AF, British Isles. Telephone: +44 (0)1624 671666 Fax: +44 (0) 1624 627526. www.zurichbankinternational.com Registered office: 43-51 Athol Street, Douglas, Isle of Man IM99 1ET, British Isles. Zurich Bank International Limited is registered in the Isle of Man Number 22847. Telephone calls may be recorded. Licensed by the Isle of Man Financial Supervision Commission to take deposits. Fast Facts 88005 October 2008 ? EXPAT INVESTOR 9