Saving for your children when you live abroad

In the UK, saving for a child has a well-worn path: a Junior ISA, perhaps Premium Bonds from a grandparent, and time. Abroad, the path narrows. A new Junior ISA generally cannot be opened for a child who is not UK resident, and the accounts available locally vary enormously in quality and protection from one country to the next. Meanwhile the goals get bigger, not smaller: international school fees commonly run to five figures a year per child, and university may be in a third country entirely, in a third currency.

Internationally mobile families handle this with structure rather than improvisation. A regular savings plan built for expatriates can keep contributions going wherever you move next. Education fee planning works backwards from the dates the fees fall due, so the money is in the right currency at the right time. And because the plan is designed to be portable, a posting to another country changes the address, not the plan.

A specialist looks at the timeline for each child, the currencies the goals will be paid in, and what you already have, then arranges a structure designed to carry it. That conversation costs nothing to start: tell us your situation and we will connect you with a regulated specialist who builds these plans for families like yours.