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INVESTMENT STRATEGIES

Growing your wealth

Whether you’re beginning with a lump sum of under €1 million, between €1 million and €10 million, or above €10 million, understanding your options is critical. Combining tax planning with smart investment strategies is the key to achieving your medium- to long-term financial objectives.

What is the right investment?

At RZ Financial Planning, we specialise in helping affluent individuals navigate the complexities of wealth management in Portugal. From leveraging tax-efficient regimes to selecting the right investment vehicles, we provide tailored solutions to grow and protect your wealth.

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Why choose RZ Financial Planning?

At RZ Financial Planning, we go beyond traditional investment advice. Our approach helps you:
  • Maximise tax efficiency: Leverage Portugal’s NHR regimes and tax-efficient wrappers to reduce costs and grow your wealth.
  • Tailor strategies to your goals: Create bespoke investment plans that align with your unique objectives and risk tolerance.
  • Simplify complexities: Break down financial planning into clear, actionable steps, giving you confidence in your financial future.
Whether you’re just starting your investment journey or looking to optimise your retirement strategy, we’re here to guide you every step of the way.

Want to benefit from Portugal’s NHR regime?

Portugal’s Non-Habitual Residency (NHR) 1.0 and 2.0 regimes offer significant tax advantages for individuals seeking to optimise their wealth. By taking full advantage of these regimes, you can benefit from additional tax-exempt income streams, including:

Bank interest

Tax-free income from savings and deposits.

Dividends

Exemptions on income from shares.

Coupon payments from bonds

Tax-efficient returns on fixed-income investments.

Overseas rental income

Tax-free income from commercial or residential properties abroad.

Overseas capital gains

Exemptions on profits from the sale of overseas real estate.

Pension income

Zero or 10% tax rates on all pension types.

Sales of overseas share holdings

Tax-free gains from selling international shares.

These exemptions can significantly reduce costs by eliminating the need for additional investment vehicles in the short term, allowing you to focus on building a robust financial foundation.

Investment strategy

Every investment strategy should be tailored to your unique goals, risk tolerance, and understanding of the costs and services involved. However, one universal truth remains: taxes can have a significant impact on your wealth.
In the initial stages of financial planning, flexibility is essential. A life wrapper offers greater access to capital and adaptability, making it an ideal option for individuals who plan to stay in Portugal or may return to the UK or other countries.

As retirement progresses, a pension wrapper often becomes the more suitable choice. Pension wrappers provide long-term tax advantages and a structured income, ensuring financial stability during your retirement years.

By combining these solutions, we can support different stages of your financial journey, ensuring your wealth is optimised for both growth and preservation.