A regulated, offshore savings and investment strategy for people building wealth across borders — settled expats and digital nomads alike — with an optional strategy that locks in gains and cushions the falls, so a market downturn never has to feel like starting over.
Three patterns we see again and again in people who've spent years working and living abroad.
Money sitting in a current account earning little or nothing is still losing real value every year to inflation — even while the balance looks unchanged.
Putting money aside "when there's some left over" rarely adds up to anything. A plan with a defined term and a clear purpose is what actually builds wealth.
The investors who lose the most are often the ones who panic and cash out in a downturn — locking in losses right before markets recover.
My: Savings Strategy is arranged through an independently regulated third-party provider, based in Guernsey — a jurisdiction built specifically around long-term, cross-border savings structures.
Save regularly each month, invest a lump sum, or combine both — over a term of 5 to 15 years, chosen to match your own goals and timeline.
Early contributions build "Establishment Units," which cover the plan's admin charge over time and reduce to zero by the end of your term. From there, your money builds ordinary Fund Units, which move with the performance of the funds you choose.
The annual administration charge scales down the longer your commitment term — lower for longer-term commitments than for shorter ones.
Access the full fund range — from cash and cautious multi-asset funds through to global equities — advised by Pacific Asset Management, an FCA-regulated investment adviser based in London.
If you choose it, your account can automatically shift from growth-focused to more cautious funds as your term matures — locking in progress instead of leaving it exposed right when you need it most.
You can access your plan before the end of your chosen term, though early encashment values will be lower than the full account value — the closer you are to your original term, the closer to full value you'll see. Full figures are set out in your personal illustration.
For clients who want real stock market exposure without watching a downturn wipe out years of progress, the Protected Investment Portfolio (PIP) is our most-requested strategy option within My: Savings Strategy.
PIP locks in a high proportion of the highest-ever value your account has reached, starting from day one — while still giving you full, uncapped participation in stock market growth. An automated system rebalances your account daily, shifting between growth assets and cash as market volatility rises and falls.
In historical modelling covering sharp market shocks (including the COVID-19 downturn) and longer multi-decade periods, the protected strategy has meaningfully reduced drawdowns compared with an unprotected equity tracker, while still capturing a substantial share of long-term market growth.
This is based on backtested modelling using historical market data, shown to illustrate how the strategy has behaved through past market cycles — it is not a projection, promise, or guarantee. Past performance, including simulated or backtested performance, is not a reliable indicator of future results, and the value of your investment can still fall as well as rise. Full historical modelling is available on request.
Every layer of My: Savings Strategy — from regulation to custody to fund advice — sits with an established, independently regulated institution.
Every savings and investment plan carries real terms and real risk — here's what's worth knowing upfront.
Under Guernsey's Segregation Rules, the underlying provider holds client money as trustee, separately from company assets, with independent third-party oversight of every payment — unlike an ordinary insurer, which typically holds client assets on its own balance sheet.
This is an investment, not a savings account or a bank deposit. The value of your plan can fall as well as rise, and outside the Protected Investment Portfolio there is no guaranteed floor on your capital.
The Protected Investment Portfolio locks in a high proportion of your highest-ever account value, not the full amount — it meaningfully reduces downside risk, but it is not a capital guarantee.
Encashing before the end of your chosen term will return less than the full account value. The earlier you exit relative to your original term, the more this reduction is likely to be.
Answer a few quick questions and we'll call you directly to talk through how much you could save, over what term, and whether the Protected Investment Portfolio is right for you — no obligation.
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