Business · South Africa
Smart Ways to Invest an Overseas Lump Sum Over 10 Years
Moneyweb · 2026/02/11
Summary
Investing a large sum of money from overseas over the next 10 years requires careful planning. Two popular options are discretionary unit trusts and offshore endowments. Discretionary unit trusts give you more control over your investments, allowing adjustments based on market changes. Offshore endowments offer tax benefits and can be useful for estate planning. It’s important to think about how your money is spread across different types of assets, like shares, bonds, and property, to balance risk and growth potential. Additionally, considering estate planning ensures that your wealth is passed on smoothly to your heirs. Speaking with a financial adviser can help you decide which option fits your goals, risk tolerance, and tax situation best, especially when dealing with cross-border investments.
OnABudget takeaway: For South Africans receiving money from overseas, choosing the right offshore investment can help grow savings while managing taxes and risks. This is important for protecting your future and making the most of your money in the long term.