Living and working abroad can be one of the most rewarding experiences of your life. For many British professionals, relocation to Ho Chi Minh City, Vietnam offers exciting career opportunities, a vibrant culture, and a favourable cost of living. However, alongside these benefits comes a unique set of financial challenges.
As an expat myself and a financial adviser who works closely with international clients, I understand how complex managing money overseas can become. From navigating multiple tax systems to structuring investments across borders, thoughtful planning is essential. In this article, I will share practical financial advice for expats in Ho Chi Minh City, focusing on strategies that help British professionals protect, grow, and organise their wealth while living abroad.
Understanding Your Tax Position
One of the most important areas of financial advice for expats in Ho Chi Minh City involves understanding your tax obligations. When you move abroad, your financial life may span multiple jurisdictions, and it becomes essential to determine where you are considered tax resident and how your income is treated.
For British professionals living in Ho Chi Minh City, your tax position will typically depend on several key factors. Each of these plays a role in determining what taxes you may owe and how your finances should be structured.
1. Your Residency Status in the UK
Your UK tax residency status is one of the most significant factors determining how your income and investments are taxed. The UK uses the Statutory Residence Test (SRT) to assess whether you are considered a tax resident during a given tax year.
Broadly speaking, this test considers:
The number of days you spend in the UK
Whether you maintain a home in the UK
Your work patterns and family ties
Other connections such as property or long-term commitments
If you become non-UK resident, you will generally only be taxed in the UK on UK-sourced income, rather than on your worldwide earnings.
However, the situation can become more nuanced. For example:
If you still own rental property in the UK, the rental income will remain taxable in the UK.
Certain investment gains may still fall under UK tax rules.
Temporary non-residence rules can apply if you leave the UK for only a short period.
Example scenario
A British professional moves to Ho Chi Minh City to work for an international company and spends fewer than 90 days per year in the UK. If they meet the criteria for non-residency, their Vietnamese salary may no longer be taxable in the UK. However, if they retain a buy-to-let property in Manchester generating £12,000 per year in rental income, that income remains subject to UK taxation.
Understanding this distinction is essential when structuring investments and income streams while living abroad.
2. The Length of Time You Spend Overseas
Closely connected to residency is the length of time you remain outside the UK. Many expats initially relocate with short-term plans but later decide to stay longer than expected.
This matters because tax rules often change depending on whether your move abroad is temporary or long-term.
Generally speaking:
Short-term assignments may leave you partially connected to the UK tax system.
Long-term relocation may allow you to fully establish non-resident status.
Several considerations come into play:
The UK tax year runs from 6 April to 5 April, and residency is assessed annually.
If you split your year between the UK and overseas employment, split-year treatment may apply.
Remaining outside the UK for multiple years can simplify your tax position.
Practical example
Imagine a professional who relocates to Vietnam in September. In the same tax year, they spent five months working in the UK before moving abroad. In this situation, the tax year might be divided into two periods:
A UK resident period (when their worldwide income is taxable in the UK)
A non-resident period after relocation
Understanding how these periods are treated can prevent unexpected tax bills.
3. Your Sources of Income and Investment Gains
Another key factor in expat taxation is where your income originates. Even if you are no longer a UK resident, the source of your income can determine where it is taxed.
British expats in Ho Chi Minh City often have multiple income streams, including:
Employment income in Vietnam
UK property rental income
Dividends from UK shares or funds
Interest from international bank accounts
Capital gains from selling investments
Each of these can be taxed differently depending on the jurisdiction.
For example:
Vietnamese salary is typically subject to Vietnamese personal income tax.
UK rental income remains taxable in the UK.
Investment gains may depend on residency status and where the investments are held.
This is where careful financial planning becomes extremely valuable. Structuring investments appropriately can significantly improve tax efficiency.
Example
Consider an expat earning the equivalent of £70,000 per year in Vietnam while also receiving £8,000 annually from UK dividend income.
Possible considerations might include:
Whether dividend taxation applies in the UK under non-resident rules
Whether Vietnam taxes foreign investment income
Whether holding investments through international platforms may provide greater flexibility
Because investment taxation can become complex, it is wise to coordinate advice between financial planners and tax specialists.
4. Maintaining Ties to the UK
Even if you live overseas, maintaining strong connections with the UK may affect your tax residency. These are often referred to as “ties” under the Statutory Residence Test.
Common ties include:
Owning a home in the UK that is available for use
Having immediate family living in the UK
Spending significant time in the UK each year
Working regularly in the UK
The more ties you maintain, the fewer days you may be able to spend in the UK before becoming tax resident again.
Illustrative example
Suppose an expat lives primarily in Ho Chi Minh City but:
Owns a home in London
Visits the UK for business several times per year
Has a spouse who still resides there
In this case, their ties to the UK could significantly reduce the number of days they are allowed to spend in the country without triggering tax residency.
For this reason, many expats review their connections carefully. This does not mean you must sever ties completely, but understanding how they affect your tax status allows you to plan accordingly.
Managing Currency Exposure
For British professionals living in Ho Chi Minh City, currency management is an often-overlooked aspect of financial planning. While daily expenses in Vietnam are typically paid in Vietnamese dong, many long-term financial goals, such as retirement planning, property purchases in the UK, or supporting family back home, remain linked to pound sterling.
Because of this, fluctuations in exchange rates can directly influence the value of your income, savings, and investments over time.
Below are several practical approaches expats can take to reduce currency-related risks and improve financial stability.
1. Holding Internationally Diversified Investment Portfolios
One of the most effective ways to manage currency exposure is through global diversification. When investments are spread across multiple regions and currencies, the overall portfolio becomes less dependent on the performance of any single economy or exchange rate.
Rather than concentrating wealth solely in one currency, diversified portfolios typically include assets denominated in several major currencies such as GBP, USD, and EUR.
This approach offers several advantages:
Natural currency balancing: When one currency weakens, gains in another may offset the effect.
Exposure to global growth: Investors participate in opportunities across international markets rather than relying on a single region.
Reduced concentration risk: Your financial future is not tied solely to the Vietnamese economy or the UK economy.
Example scenario
Imagine an expat who holds all savings in Vietnamese dong because that is the currency of their salary. If the dong weakens significantly against pound sterling, the real value of those savings may fall when converted back to GBP for future retirement spending.
However, if their investment portfolio includes global equities and funds priced in multiple currencies, the overall value of their wealth becomes more resilient to currency movements.
2. Structuring Accounts in Stable Currencies Such as GBP or USD
Another practical step is holding part of your savings in internationally recognised reserve currencies. While you may earn locally in Vietnamese dong, long-term wealth is often better protected when some assets are denominated in currencies with greater global stability.
Many expats therefore choose to hold savings or investment accounts in currencies such as:
Pound sterling (GBP)
US dollars (USD)
Euros (EUR)
There are several reasons this can be beneficial:
These currencies tend to have deep and liquid financial markets.
They are widely used in international investment platforms.
Long-term financial goals, especially for British expats, are frequently linked to GBP.
Practical insight
If your retirement plans involve returning to the UK, maintaining investments in pound sterling can help ensure that your purchasing power aligns with future living costs. By contrast, holding everything in a local currency could introduce unnecessary uncertainty.
A balanced approach often works best: maintaining enough local currency for daily living while structuring long-term investments in stronger global currencies.
3. Planning Regular Transfers With Favourable Exchange Rates
Many expats regularly transfer money between Vietnam and the UK. Whether sending funds home, supporting family members, or investing overseas, the timing and method of these transfers can make a noticeable difference over time.
Rather than transferring money randomly, it can be helpful to establish a structured approach.
This might include:
Regular scheduled transfers to reduce emotional decision-making
Monitoring exchange rate trends before larger transfers
Using specialist international transfer providers instead of traditional banks, which may offer more competitive exchange rates
Example
Suppose an expat sends £1,000 per month back to the UK. Over several years, even small differences in exchange rates or transfer fees can add up to thousands of pounds.
Adopting a consistent transfer strategy helps smooth out currency volatility and ensures financial commitments remain predictable.
4. Aligning Investment Currency With Long-Term Spending Goals
Perhaps the most important principle in managing currency exposure is aligning the currency of your investments with the currency in which you expect to spend in the future.
This is sometimes referred to as currency matching.
In practice, this means considering questions such as:
Where do you plan to retire?
Which currency will fund your retirement lifestyle?
Will you maintain financial commitments in the UK?
For many British expats, long-term spending will ultimately return to pound sterling. In this case, maintaining a meaningful portion of investments in GBP can reduce the risk of currency fluctuations affecting retirement income.
Illustrative example
Consider two expats working in Vietnam for 15 years:
Investor A keeps most investments in Vietnamese dong.
Investor B gradually builds a diversified portfolio with significant GBP exposure.
If the dong depreciates significantly against the pound before retirement, Investor A may find their savings buy far less in the UK than expected. Investor B, however, has already aligned their investments with their future spending currency.
Building an International Investment Portfolio
When providing financial advice for expats in Ho Chi Minh City, I often encourage clients to think globally when constructing their investment portfolios. The goal is not simply to invest while living abroad, but to create a flexible, internationally structured portfolio that can support long-term financial goals wherever life may lead.
Below are several key principles that can help expats build a robust international investment strategy.
1. Diversification Across Global Markets
Diversification is one of the most fundamental principles of successful investing. In simple terms, it means spreading investments across a wide range of markets, sectors, and asset classes so that your financial future does not depend on the performance of a single region or industry.
For expats, this principle becomes even more important. Many international professionals naturally develop financial exposure to a specific region simply because they live and work there. Without careful planning, this can lead to an unintended concentration of risk.
A globally diversified portfolio typically includes exposure to:
Developed market equities, such as companies based in the UK, the United States, and Europe
Emerging markets, which may offer higher growth potential over the long term
Fixed income investments, including government and corporate bonds
Alternative assets, depending on individual risk tolerance
The purpose of diversification is not to eliminate risk entirely, no investment can do that. Instead, it helps balance risk across different parts of the global economy.
Example scenario
Imagine an expat who invests primarily in property within one country. If that property market weakens significantly, their entire investment portfolio may suffer.
By contrast, an investor who holds:
global equity funds
international bonds
and diversified assets across multiple regions
is less dependent on the performance of any single market.
This balanced approach tends to provide greater stability over the long term.
2. Maintaining Long-Term Investment Discipline
Living abroad can sometimes create a sense of financial uncertainty. Careers may evolve quickly, contracts may change, and relocation opportunities can arise unexpectedly. As a result, some expats fall into the habit of making short-term financial decisions.
However, successful investing generally rewards patience and long-term thinking.
Rather than reacting to daily market movements, disciplined investors focus on:
clearly defined long-term financial objectives
consistent contributions to investments where possible
strategic asset allocation based on risk tolerance
In practice, this means accepting that markets will naturally rise and fall over time.
Key insight
Short-term volatility is a normal part of investing. Overreacting to market fluctuations, such as selling during downturns, can damage long-term results.
Instead, successful investors often follow a structured strategy that includes:
Regular portfolio reviews
Rebalancing when necessary
Maintaining focus on long-term financial goals
Example
An expat investing £1,000 per month into a diversified global portfolio may experience market fluctuations over the years. However, through consistent investing and long-term discipline, the overall growth potential remains significantly stronger than attempting to time the market.
3. Structuring Investments for International Mobility
One of the defining characteristics of expatriate life is mobility. Many expats do not remain in one country permanently. A career may take you from Vietnam to another part of Asia, the Middle East, Europe, or back to the UK.
Because of this, investment structures designed solely for residents of a single country may not always be appropriate.
When offering financial advice for expats in Ho Chi Minh City, I often emphasise the importance of portability. In other words, your investment structure should continue to work efficiently even if your residency changes.
This typically involves considering:
International investment platforms designed for expatriates
Globally recognised investment funds
Flexible structures that remain accessible across multiple jurisdictions
Practical considerations
Expats should ideally avoid investment arrangements that:
restrict access if you leave a specific country
create tax complications when residency changes
limit the ability to consolidate assets later
Instead, a well-designed international portfolio should allow you to:
relocate without disrupting your investments
maintain continuity in your financial planning
adapt your strategy as your life evolves
Illustrative example
Consider an expat who begins investing while working in Vietnam but later relocates to Singapore or returns to the UK. If their portfolio is structured through internationally accessible platforms, they can continue managing their investments without needing to restructure everything from scratch.
This level of flexibility is invaluable for professionals whose careers span multiple countries.
Reviewing Your UK Pension Arrangements
After relocating to Ho Chi Minh City, it is common for expats to focus on their new career, lifestyle, and immediate financial needs while pension arrangements back in the UK are left untouched.
However, ignoring these assets for long periods can lead to missed opportunities. Pension schemes may remain invested in outdated strategies, multiple small pension pots can become difficult to track, and your retirement planning may no longer reflect your international lifestyle.
As part of comprehensive financial advice for expats in Ho Chi Minh City, reviewing your UK pension arrangements regularly can help ensure your retirement savings remain aligned with your long-term goals.
Below are several key areas that expats should consider when assessing their UK pension situation.
1. Consolidating Multiple Pension Pots
Many British professionals accumulate several pension schemes throughout their careers. Each employer may have provided a separate workplace pension, and over time this can result in multiple accounts held with different providers.
While this is common, it can create unnecessary complexity.
When pensions are spread across several schemes, you may face challenges such as:
Difficulty monitoring overall investment performance
Multiple sets of fees and administrative charges
Limited visibility of your total retirement savings
Outdated investment allocations in older schemes
Consolidating pensions, where appropriate, can simplify your financial planning by bringing several pots together into a single, more manageable structure.
Benefits of consolidation may include:
A clearer overview of your retirement savings
Potentially lower overall fees
Greater flexibility in choosing investments
Easier long-term management
Example scenario
Imagine a professional who worked for three companies in the UK before moving abroad. They may have:
A £35,000 pension from their first employer
A £50,000 pension from a second company
A £40,000 pension from their final UK role
Without consolidation, these pensions remain scattered across different providers, each with its own charges and investment options. By consolidating them into a single portfolio, the investor gains greater clarity and control over their retirement planning.
Of course, consolidation must always be approached carefully, as some pension schemes offer valuable guarantees that should not be lost.
2. Reviewing Underlying Investment Strategies
Another common issue with older pension schemes is that their investment strategies may no longer reflect your current circumstances.
Many workplace pensions automatically place members into default investment funds. While these options are designed to suit a broad range of investors, they may not be ideal for someone living and working internationally.
Expats often face different financial considerations compared to UK-based workers, including:
Longer or shorter career timelines abroad
Exposure to multiple currencies
Different retirement destinations
For this reason, reviewing how your pension assets are invested can be extremely valuable.
Key questions to consider include:
Is your pension portfolio diversified globally?
Are the risk levels appropriate for your age and time horizon?
Does the strategy align with your retirement plans?
Example
A 35-year-old expat who intends to work internationally for the next 20 years may benefit from a growth-oriented investment strategy with exposure to global equities.
By contrast, someone approaching retirement may require a more balanced allocation that reduces volatility while still supporting long-term income needs.
Regular reviews ensure that your pension investments remain aligned with your evolving financial objectives.
3. Assessing Whether International Pension Structures Are Appropriate
For some expats, maintaining UK pension schemes works perfectly well. For others, particularly those expecting to spend many years overseas, alternative international structures may be worth exploring.
One such option that occasionally arises in expat financial planning is the Qualifying Recognised Overseas Pension Scheme (QROPS), which allows UK pensions to be transferred to an overseas pension arrangement under certain conditions.
While these arrangements can provide flexibility in specific situations, they are not suitable for everyone. A number of important considerations apply.
Potential advantages may include:
Greater flexibility for expats retiring overseas
Investment options tailored to international investors
Simplified pension management if you no longer expect to return to the UK
However, there can also be significant implications, including:
Transfer charges or tax considerations
Regulatory requirements depending on your residency
The potential loss of certain benefits within UK pension schemes
Important insight
Because pension transfers are complex and heavily regulated, they should only be considered after receiving professional advice. The right solution varies widely depending on your residency status, retirement location, and long-term financial plans.
4. Aligning Pension Planning With Your Retirement Location
One of the most important questions expats should ask themselves is where they ultimately plan to retire. Your retirement location can significantly influence how your pension should be structured.
Many expats in Ho Chi Minh City fall into one of three broad categories:
Those who intend to return to the UK eventually
Those who plan to retire elsewhere in Asia or another international location
Those who are still undecided about their long-term plans
Each scenario may lead to different pension planning strategies.
For example:
If you expect to retire in the UK, maintaining strong exposure to pound sterling investments may be beneficial.
If retirement abroad is more likely, currency diversification and flexible withdrawal options may become more important.
If your future location is uncertain, maintaining flexibility should be a priority.
In addition, pension income may be taxed differently depending on where you live during retirement, which makes early planning particularly valuable.
Protecting Your Wealth and Family
For British professionals living in Ho Chi Minh City, comprehensive protection planning is a key component of effective financial advice for expats in Ho Chi Minh City. Without the right safeguards in place, unexpected events could have significant financial consequences for both you and your loved ones.
Below are several important areas that expats should review when protecting their wealth and family.
1. Securing International Health Insurance
Healthcare is often one of the first considerations when relocating overseas. While Vietnam has a growing private healthcare sector, many expatriates prefer access to international-standard medical facilities or treatment abroad if necessary.
Relying solely on local healthcare coverage may not always provide the flexibility or level of protection many expats require. This is why international health insurance is widely regarded as a cornerstone of expat financial protection.
Comprehensive international health policies typically provide:
Access to private hospitals and clinics
Coverage for specialist treatments and surgeries
Medical evacuation to regional healthcare centres if necessary
Optional global coverage, including treatment outside Vietnam
Example scenario
Imagine an expat who requires specialist surgery that is not readily available locally. Without adequate health insurance, the cost of travelling abroad for treatment, combined with medical expenses, could quickly reach tens of thousands of pounds.
With an appropriate international health insurance plan, however, these costs are often covered, allowing you to focus on recovery rather than financial strain.
Key insight
Many expats also review their health coverage annually to ensure it still reflects their needs, particularly if family members join them abroad or if their employment circumstances change.
2. Establishing Life Insurance for Dependants
Another essential element of financial protection is life insurance, particularly for expats who support partners, children, or other dependants.
If your family relies on your income, an unexpected loss of earnings could create significant financial hardship. Life insurance provides a financial safety net that can help protect your family’s standard of living should the unexpected occur.
When reviewing life insurance, expats often consider:
The total financial obligations their family would face
Mortgage or property commitments
Education costs for children
Everyday living expenses over the long term
Example
Consider a British expat working in Ho Chi Minh City who earns £80,000 annually and supports a spouse and two children. If something were to happen unexpectedly, replacing that income would be critical to maintaining financial stability.
Life insurance could provide a lump sum designed to cover:
Outstanding debts
Ongoing living costs
Children’s future education expenses
By establishing the right level of cover, expats can ensure their families remain financially protected even in difficult circumstances.
3. Planning Your Estate Across Multiple Jurisdictions
Estate planning can become significantly more complex when your assets, family members, and residency span multiple countries.
Many expats maintain financial connections in several places, including:
Property in the UK
Investments held internationally
Bank accounts in different currencies
Assets acquired while living abroad
Without careful planning, the distribution of these assets could be affected by differing inheritance laws across jurisdictions.
Key considerations often include:
Whether your will remains valid internationally
How inheritance laws apply in each relevant country
Potential tax implications for beneficiaries
Illustrative example
Suppose an expat owns property in the UK, holds investments on an international platform, and resides in Vietnam with their family. In the absence of a clearly structured estate plan, resolving inheritance matters could become complex for their beneficiaries.
Establishing a clear and legally sound estate strategy can help ensure your wishes are respected and that your assets are transferred efficiently.
4. Structuring Beneficiaries Appropriately
Another important but sometimes overlooked element of wealth protection involves properly structuring beneficiaries on financial accounts and investment arrangements.
Many financial products, such as pensions, insurance policies, and certain investment structures, allow you to nominate beneficiaries who will receive the assets in the event of your death.
However, expats should review these nominations regularly to ensure they remain accurate.
Important questions to consider include:
Are your nominated beneficiaries still correct?
Have your family circumstances changed?
Are beneficiary structures aligned with your estate planning strategy?
Practical insight
For example, an individual who nominated a beneficiary years ago may now have a spouse or children who should be included in their financial planning. Failing to update beneficiary details could lead to unintended outcomes.
Regular reviews help ensure your financial arrangements continue to reflect your current wishes.
Setting Clear Long-Term Goals
When providing financial advice for expats in Ho Chi Minh City, one of the most valuable exercises I undertake with clients is helping them clarify their long-term financial goals. Once those goals are established, investment strategies, savings plans, and risk management decisions can all be aligned to support them.
For British professionals living in Ho Chi Minh City, setting clear goals provides structure and direction for their financial decisions, allowing them to make the most of their time abroad.
Below are several important questions that can help shape a clear and effective long-term financial plan.
1. Will You Eventually Return to the UK?
One of the first considerations for many expats is whether their time abroad will be temporary or permanent. Some professionals relocate with a clear intention of returning to the UK after several years, while others discover that international life suits them and choose to remain overseas for much longer.
Your future residency plans can influence many aspects of your financial strategy.
For example, if you expect to return to the UK, it may make sense to prioritise:
Investments denominated in pound sterling
Retirement savings aligned with UK living costs
Property planning within the UK market
On the other hand, if you anticipate remaining abroad long-term, your financial planning may focus more on international flexibility.
Example scenario
Consider a professional who plans to spend 10 years working in Vietnam before returning to the UK. In this situation, they may choose to structure investments in GBP-based assets so that their savings maintain purchasing power once they move home.
Clarifying this intention early helps guide both investment and currency decisions.
2. Do You Plan to Retire in Asia or Elsewhere?
Retirement planning becomes more complex when your career spans multiple countries. While some expats eventually return to the UK, others decide to retire abroad, particularly in regions where the cost of living may be lower or where they have built strong personal connections.
Your retirement destination can significantly influence:
The size of the retirement fund required
Currency exposure within your investment portfolio
Healthcare planning during retirement
Tax considerations in later life
For example, retiring in a major UK city may require a larger retirement income than retiring in parts of Southeast Asia.
Illustrative comparison
An individual retiring in London may require a considerably larger annual income to maintain a comfortable lifestyle than someone retiring in Vietnam or another Southeast Asian country.
This does not necessarily mean one option is better than the other, it simply highlights the importance of aligning financial planning with lifestyle preferences.
By identifying your preferred retirement location, you can begin estimating the level of savings required to support that vision.
3. What Level of Income Will You Need in Retirement?
Once you have an idea of where you may retire, the next step is estimating the level of income required to support your desired lifestyle.
This exercise often begins with a simple question: What kind of retirement do you want to enjoy?
Some individuals prioritise travel and leisure activities, while others prefer a quieter lifestyle with fewer financial demands.
When calculating retirement income needs, expats often consider:
Housing costs
Healthcare expenses
Travel and leisure activities
Day-to-day living expenses
Inflation over time
Example calculation
Suppose a couple expects their retirement lifestyle to require approximately £40,000 per year. If they plan to retire for 25 years, their financial plan would need to generate sustainable income to cover these expenses while also accounting for inflation.
In this context, investment planning becomes closely connected to retirement projections. Establishing a clear income target helps determine how much must be saved and invested during your working years.
4. How Can You Fund Your Children’s Education Internationally?
For expats with families, education planning is often a major financial priority. International schools can provide excellent educational opportunities for children living abroad, but tuition costs can be significant.
In many cases, parents must plan several years in advance to ensure these expenses can be comfortably funded.
Education planning may involve:
Setting aside dedicated savings for school fees
Structuring investments with medium-term timelines
Preparing for university costs in the UK or overseas
Example
International school fees in major global cities can range from £10,000 to £30,000 per year per child, depending on the institution. For families with multiple children, these costs can become one of the largest financial commitments during their time abroad.
By incorporating education planning into a broader financial strategy, parents can prepare for these expenses without disrupting their long-term investment goals.
5. Aligning Investments With Personal Goals
Ultimately, the purpose of financial planning is not simply to accumulate wealth but to ensure that your resources support the life you wish to build.
Clear goals allow your financial strategy to become purposeful rather than reactive.
A well-structured plan may include:
Retirement savings aligned with your preferred location
Investment portfolios designed to support long-term income
Education funding strategies for children
Flexible arrangements that adapt if your career path changes
Key insight
Without defined goals, financial decisions often become fragmented. Investments may be made without a clear purpose, and opportunities for long-term growth can be overlooked.
By contrast, when your objectives are clearly established, every financial decision can contribute towards achieving them.
The Value of Working With an Expat Financial Adviser
Financial planning becomes significantly more complex when it crosses borders. Regulations, tax rules, currencies, and investment platforms all vary depending on where you live and where your assets are held.
Working with an adviser who specialises in expatriate clients, such as Benjamin Sharvell IFA, can provide several advantages:
Understanding of international financial regulations
Access to globally structured investment solutions
Coordinated planning for multiple jurisdictions
Long-term continuity even if you relocate again
As someone who has lived and worked internationally myself, I appreciate the challenges expats face and the opportunities that come with an international career.
Plan Your Financial Future in Ho Chi Minh City With Confidence
Living in Ho Chi Minh City can be an incredibly rewarding experience, both personally and professionally. However, the financial complexities of expatriate life should not be underestimated.
Thoughtful, structured financial advice for expats in Ho Chi Minh City can help you:
Organise your investments internationally
Protect your wealth across borders
Manage currency and tax exposure
Plan confidently for your long-term future
With the right strategy in place, your time abroad can become a powerful opportunity to build lasting financial security.
As a Senior Adviser and Professional Financial Planner specialising in wealth management for expat clients, my approach is always pragmatic and collaborative.
Get in touch with Benjamin Sharvell IFA today and get a free consultation!