RetireJapan

Now why would on earth I want to pay into the UK state pension? I have a fine kokumin + kosei nenkin heading my way. Through what seems like an unforeseen loophole, paying in voluntarily from abroad is incredibly cheap, and you get a UK state pension at the end of it :) Thank you for that, Ben. Any...

Stuart wrote: ↑Tue Jul 20, 2021 7:51 am Just a suggestion. How about asking AP Advisers if they would like to respond to the comments made here?
At least it would give them a chance to defend their position.

Thank you for the tip, Stuart, I will give it some thought.

On a side note, but kind of related; do not bring any of these funds that are held offshore into Japan, especially if it is a large amount you'll get the Japanese tax office asking questions and sniffing around. If you have been here for more than 5 years, if you sell one of these funds and make a ...

I went in for a meeting about a year ago with them. I was still at the "throwing round ideas" stage of how to manage my finances for the future. We talked for nearly 2 hours about the mortgage application process in Japan and investments. I came away with lots of good information. Our mee...

They are a small firm of (UK oriented) financial advisors in central Tokyo, website here: https://www.ap-advisers.com/ Any comments or advice welcomed with open arms. I was with them for about 10 years up until 2019. At that time everything was going through Generalli - an Italian fund manager. I t...

That could be reasonable, if the provider and fund fees are low, or extortionate, if they are high and also pay a commission to AP. True. Educated guess is that the funds are managed rather than passive, so there is already a fee charged by whoever manages them. Then the AP charge is on top for the...

What FEES DO AP ADVISERS LTD CHARGE? We usually charge between 0.25%-1.00% per annum, depending on the size of a client's portfolio. We align this fee to the account value meaning we are motivated to see your money grow. This aims to create a mutually beneficial client-adviser relationship. You wil...

Could you tell us why you don't trust them? Have you had a specific issue? Now that is a good question. No, no specific issues. In some ways I trust them more than I trust the South African insurer. AP Advisers are merely a conduit to get my moolah into the funds in a Guernsey account. I have been ...

The website looks exactly like all the other predatory offshore 'advisor' firms, but the devil is going to be in the details (fees/penalty fees for early withdrawal). Offshore via some other company generally means lots of people getting paid your money in commissions, etc. O.5% annual fee goes to ...

It's very difficult to invest in the UK as a non resident. You would be able to invest in Interactive Brokers and keep the account if you moved back to the UK. Hopefully you are also paying into the UK state pension using the voluntary contributions from abroad scheme. Many thanks for the advice, B...