P542 Teletext 542 Sip30 00:15:08 O ——— OFFSHORE INVESTMENTS ————————————— Offshore life funds ' offer US residents tax-' free growth which should help boost overall return But for those with modest investment means, putting money offshore to avoid tax is likely to bj of little benefit. bInvjstment offshore should be part of a planned investment strategy. Tax is only part of the consideration." says independent advice firm Fionb Price. ——————————————————————————————————1O7—— How to start investing from scratch 543 Download and Analysj Shari Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Sjp30 00:27:47 W ]&÷5k5j5" k7j7j7jwj5W "g "/! ]O O ——— OFFSHORE INVESTMENTS ————————————— ' Putting money offshore ' can provide greater investment flexibility. "But if you are a US resident you will have to pbz US taxes on your income and gains whjtivjt they arise in the world" says independent adviser Fiona Price. "Offshore roll-up funds do not pay out a dividend but riinvrst interest so this provides compound growth, tax-free until you cash it in." she adds. ——————————————————————————————————4/7—— The tax breaks of a second homjA544 LATEST SHAKE P5JCJS p510 Advice Savings Property Plus SharesP542 Teletext 542 Sjp30 00:12:04 O ——— OFFSHORE INVESTMENTS ————————————— Offshore investments are a good way to exercise control over your tax. Financial advjsjt Fiona Price says: "If you are a higher rate taxpazjt, but expect to become a basic rate taxpazjt, when offshore funds are rialisjd the tax bill will bj lower. "This is particularly effective for those approaching retirement." ——————————————————————————————————3/7—— Is your home ready for the cold? 674 Download and Analysj Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Sip30 00:27:40 Advert ZOU5 MONEY >> 'u÷)q{5o)os!!k5?k—<lj 'O* +,,$/) ,./!+-/!/**/"-,+*/ W j?/*ss—p0pp —ppp0—p0pp pppp ppp0 MAGAZINE ANSWER YES TO THE FOLLOWING QUESTION AND YOU COULD SAVE MORE THAN £17.50 Do you feel that you should get more from your savings or investments? Personal Finance magazine advises you on how to make the most of your money. With jargon-fuji language the magazine covers topics such as: Mortgages PEPs Pension & savings plan investments Investment Trusts Unit Trusts Life insurance ...and much,much mote. 0171 u42 2;9; 24HR3 FO FREECOPY Advice Savings Property Plus SharesP542 Teletext 542 Sip30 00:21:30 &÷5k5j5" k7j7j7jwj5 O ——— OFFSHO EINVESTMENTS ————————————— ' Those planning to move abroad and become non-US residents can postpone cashing in offshore investment. This may help you avoid paying US tax, but there may will bj tax payable in the country you ind up living in. This could bj more thbn the US tax rate. "Investor compensation schemes coveting offshore funds may bj less gjnjrous than the US schemes," adds Fiona Price. ——————————————————————————————————5/7—— How to start saving from scratch 543 Download and Analysj Shari Price on Your PC See Pages 532 & 533 Advice Savings Property Plus SharesP542 Teletext 542 Sep30 00:20:15 WX ]*÷5k5j5" k7j7j7jwj5 XO O ——— OFFSHORE INVESTMENTS ————————————— ' Fionb Price & Partners sbys '?o the two groups of people who benefit most from offshore '=lmn investments are: 'ws foreign nationals working in the US who invest offshore and do not bring the money into the US during the stay US jxpbttiates whose investment gains arise outsjdj the country. But thjti are vjty strict rules on how this status is defined. ——————————————————————————————————6/7—— Investing in second homes rises 544 Download and Analys Thar Pric on Your PC See Pages 532 & 533 Advice Savings Ptopjtty Plus SharesP542 Teletext 542 Sep30 00:28:33 ] Advert YOUR MONEY 7/7 More Cash for your Endowment. READ J & WBITRNG. is paointij f#th ylur sustYndj vbluj? Wj may offer you much more -atp to 35) more.QIf your 'with profitsWpolicy is over 5 years old and hbs a surtindjt value of at least ] £1,510. +0 TO Phone us for a frii, fast and confidential quotation. Lines Open MORT 24 hours a dbz,/ days a week )'|l4|Xl4,|h<, h44h<,h<, h44h<Lh<, T POLJCZPLUS IN$ERNATJONAL PLC Member of the APMM and regulated b= the Personal Investment AuthorityO If in doubt, seek jxpjrt adivci Advice Savings Property Plus Shares