International Investment Management
Investing for American Expats
Portfolios Tailored to Your Unique Needs
As a U.S. expat, managing your investments while living abroad can be extremely challenging. From navigating complex cross-border tax issues to incorporating expat-specific investing considerations like currency risk, we’ll help you design a portfolio that suits your financial goals and meets U.S. tax compliance requirements.
4 Pillars of Expat Investing
Diversification
Strategic Rebalancing
Low Expenses
Tax Optimization
OUR INVESTMENT PHILOSOPHY
How We Select Investments
At Creative Planning International, we don’t believe in timing the market or allocating portfolios based merely on age or risk tolerance.
We believe the U.S.-based assets in your investment portfolio should be allocated in a way that balances your long-term growth needs with enough stability and security in the short term so that you can prosper in any market condition. Our customized portfolios are built around your specific investment strategy, helping you maximize your wealth.
TAKE A CLOSER LOOK
4 Pillars of International Investing
Creative Planning International personalizes portfolios based on your needs and goals as well as what’s appropriate for you. But all portfolios are designed with our four key tenets of international investing in mind.
Diversification
Proper diversification can substantially mitigate losses incurred during a severe market downturn and sustain portfolio stability. All investors, wherever they live, usually benefit from investing in an array of assets, including U.S. stocks, international stocks, bonds, real estate and more.
We help expats diversify their portfolios while managing currency risk and avoiding common expat investing mistakes, such as holding foreign mutual funds.
Low Expenses
While individual portfolios will vary based on clients’ needs and goals, we seek to keep the average cost of your holdings as low as possible so that your total return isn’t eroded by annual fees and expenses.
We seek to invest in lower-fee products so that you can make the most of your money.
Strategic Rebalancing
To maintain your target asset allocation, we take profits on investments that have done well and allocate that money to the underperforming positions in your portfolio — and we do so in the most tax-efficient manner possible.
It’s not a time-determined process; it’s dynamic and market driven. Our trading team regularly monitors global markets to act on opportunities as they arise.
Tax Optimization
In addition to managing tax-efficient trades, our advisors guide clients on how to use pre-tax IRAs and Roth IRAs in parallel to retirement accounts for tax optimized outcomes.
We design each client’s portfolio and financial plan with a tax strategy that aligns with the tax treaties and regulations that apply to their country (or countries) of residence.
Recommended Reading
Ready to Get Started?
If your household has more than $500,000 in U.S.-based investable assets, we'd love to talk about next steps.
Schedule a free, no-obligation meeting with our team today.
