A lump sum investment is a large amount of money that is invested in one single payment. Frequently used by expats to make the most of their savings, a lump sum investment can be a more profitable alternative to simply leaving your money in a high street bank savings account. This is particularly true of UK banks which have been experiencing record low interest rates in recent years. Lump sum investments are suitable for a wide range of individuals, including expat retirees.


Upon turning 55, you are entitled to withdraw up to 25% of pension completely tax free, whether it’s in a SIPP or a workplace pension. Additional money can be withdrawn on top of that but it will be subject to tax, in line with your relevant band. Once you have access to that money, the question is how to make the most of it. For expats, lump sum investments could be the answer. All your money is in one location for ease of access and management, your choice of investment securities increases and the tax conditions remain favourable.


Why should you consider lump sum investments?


As an expat with a lump sum investment, you gain access to thousands of highly-regulated investment securities via multiple institutions. Such extensive choice gives you the power to decide where you make your investments and the level of risk that you’re willing to accept, providing greater peace of mind.


At Mathstone, we run a full risk assessment on the lump sum investments of all clients. As part of our commitment to honesty and clarity, we wish to ensure that you fully understand how your money is being invested and given the present market conditions, what you can realistically expect. Our advisors will also run regular reviews of your investments and report back their findings. Should you ever need further clarification on your lump sum investment and the decisions being made around it, we will always be on hand to provide expert guidance.

Investments at Mathstone are built based on transparency and liquidity without contractual terms. This means redemptions or withdrawals can be made at any time penalty-free. We are committed to achieving the best possible results through our low-cost investment structures and providing our investors with quick access to capital when required.

We also implement investment structures to ensure favourable taxation, avoiding the worry and inconvenience of getting unwanted surprises in the future.


Many expats like to lead a more itinerant lifestyle, whether it’s due to the nature of their job or simply a desire to make the most of their retirement. Follow our investment advice and you’ll enjoy full investment portability should your location change. We'll transition your investments to other providers without charge.


Get in touch today to learn more about how our portable, low-cost lump sum investment structures produce the best possible results.