Frequently Asked Questions

GENERAL FAQS

1. Why do I need a financial advisor?
2. Why do I need a financial review?
3. What happens during a financial review?
4. I am not able to meet face to face.
5. What happens if I leave the country?
6. Do I need to pay for an initial review?
7. What do you mean by independent financial advisor?
8. Who is an Argentum client?
9. Can you help me with my existing investments?
10. I already have an international advisor.
11. I already have an advisor back home.
12. I like to manage my own investments.
13. Can Argentum manage my investments for me?
14. How can I switch servicing to Argentum?
15. Do you only work with expats in Japan?
16. Shouldn’t I look for an advisory firm with offices all over the world?
17. How can I meet with an advisor?
18. Where can I meet with an Argentum advisor?
19. Can I discuss my options over the phone?
20. Do I need to be very wealthy to become a client?
21. Can I refer a friend to Argentum?
22. Do you only work with financial institutions in Japan?
23. I’m not happy with my current financial advisory firm?
24. What happens when I become a client?
25. Do you service clients who move or live abroad?
26. How can I keep track of my investments?
27. How many investment companies do you work with?
28. Why should I choose Argentum?
29. What does Argentum mean?
30. How can I thank Argentum for the great service I’ve received?

FINANCIAL PLANNING

1. Why do I need a financial review?
2. How long does an initial financial review take?
3. Do I need to pay for an initial review?
4. How often will my advisor meet with me once I’m a client?
5. Will my personal information remain confidential?

RETIREMENT PLANNING

1. Why should I worry about retirement?
2. I’m still young and isn’t my retirement a long way off?
3. How can Argentum help me reach retirement?
4. I don’t plan to retire, I like working.
5. What are QROPs, QNUPs and SIPPs pension solutions?

EDUCATION PLANNING

1. How can I invest towards my child’s education fees?
2. My children are still young so why worry now?
3. I am not sure yet what country my child will attend university.
4. Education fees are very low or free in my home country.
5. What happens if my child decides not to attend university?

REGULAR INVESTMENTS

1. Is this a good time to invest in the markets?
2. Should I wait until the markets are less volatile?
3. Can Argentum service my investments for me?
4. What are the minimums I can invest monthly?
5. Do you only work with financial institutions in Japan?

LUMP SUM INVESTMENT

1. When is a good time to invest a lump sum?
2. What investments can I access with a lump sum?
3. What is a reasonable time frame for a lump sum investment?
4. Why should I invest a lump sum?
5. Can Argentum service my investments for me?

PORTFOLIO MANAGEMENT

1. Can you help me with my existing investments?
2. Can Argentum manage any new investment for me?
3. I already have an advisor. Why should I meet Argentum?
4. I’m not happy with my current financial advisory firm?
5. I like to manage my own investments.

OFFSHORE TAX PLANNING

1. Are offshore investments portable?
2. Why hold my wealth and investments offshore?
3. Can I access my investments easily?
4. Does investing offshore mean that I don’t have to pay tax?
5. How safe is offshore investing?

LIFE INSURANCE

1. How much life insurance do I need?
2. Why should I have private cover when I’m already covered at work?
3. What is the difference between term life and whole of life insurance?
4. Should my spouse also have life insurance cover?
5. Why choose an international life insurance policy?”

HEALTH INSURANCE

1. Why do I need health insurance cover?
2. What are the advantages of international health cover?
3. How much does it cost?
4. How do I apply, and will I need a physical?
5. If I need medical assistance, can I go to any doctor?

PROPERTY & MORTGAGES

1. What should I be thinking about before buying a property?
2. How much money will I need as a down payment?
3. Can I invest in property without having to buy one?
4. What are my options regarding mortgages?
5. Can you help me buy a property in Japan?

ESTATE & TRUST PLANNING

1. Do I need a will or a trust?
2. When should I start thinking about estate planning?
3. Can I consolidate my international assets through a company?
4. How often will my advisor meet with me once I’m a client?
5. Will my personal information remain confidential?

COMPANIES & GROUPS

1. How can my business benefit from group solutions?
2. Is there a minimum staff size for group solutions?
3. What are the advantages of international employee benefit packages?
4. What group expat solutions are available?
5. Would there be a fee before proposing a company solution?

CAREERS

1. Do I need any experience to apply?
2. What are you looking for in an applicant?
3. Can I become a financial advisor with Argentum?
4. Are you looking for financial advisors already working in the industry?
5. What extra benefits can I expect by moving to Argentum?


GENERAL FAQS

1: Why do I need a financial advisor?
A financial advisor will work together with you to build a financial plan that can guide you towards your future financial goals. Whilst building your financial plan the advisor will be able to share his advice and experience of working with people like yourself. Your advisor will then be able to recommend and explain in detail specific solutions that will help you reach your financial targets. Ongoing service and support is an integral part of any Argentum advisor’s role and your elected advisor will be available to talk and meet with you on request.
2: Why do I need a financial review?
Most people don’t take the time to step back from their day to day routine and take an overall look at their financial goals and plans. Regardless of what your income level is and what your future aspirations might be, you will need to have a solid plan to achieve your goals. A financial review is an opportunity to sit down with a professional financial planner who can help you get a clear picture of where you are, and also advise you on what is realistically possible to achieve in the future.
3: What happens during a financial review?
A financial review is a kind of financial health check and would be required before an advisor can give any advice on your situation. An advisor needs to know what your situation and goals are before he is able to professionally give any advice to you. The review covers your current financial situation, your future financial goals and then together with the advisor you would prioritise which financial objectives you’d like the advisor to prepare recommendations for when you meet next. A review normally takes between 30 to 50 minutes depending on how many questions you may ask.
4: I am not able to meet face to face.
For people who would like to take advantage of our services and for any reason are not able to meet face to face with an advisor we can arrange a phone meeting where by the advisor will conduct a remote financial review with you. We are able to fully service and support you remotely anywhere in the world and often travel to meet with clients throughout the Asia Pacific region.
5: What happens if I leave the country?
Our services and investment solutions are designed exclusively for foreign clients who have mobile careers and are often living and working in different countries. Our solutions are designed to be managed and serviced from anywhere in the world and our Client Servicing Team will help with any changes that need to be made as a result of you moving to another country. Your financial advisor will continue to maintain ongoing contact with you through face to face meetings where possible in the Asia Pacific region, or beyond that through teleconferencing and emails.

6: Do I need to pay for an initial review?
An initial review is free, and in meeting with a financial advisor there are no future financial obligations or requirements to become a client. We offer quality financial advice, and all the information you need to decide whether you would like to become a client of Argentum.
7: What do you mean by independent financial advisor?
As an independent financial advisory firm (IFA), we are not tied to any one financial institution, so we can be objective in helping you access the most appropriate and competitive solution for your personal situation. We have access to a wider range of solutions than many of our competitors and so you can be sure that you are really getting the solution you need.
8: Who is an Argentum client?
To find out, please ask your friends and colleagues. All of our client information is strictly confidential and data protected so that any clients` names and personal information is secure at all times. We do not provide or pass on any client information to unrelated third party companies or individuals. Even within the company itself, company employees do not have any access to client information. See our privacy policy for more details.
9: Can you help me with my existing investments?
If for any reason you find yourself in a situation where you are no longer in contact with your previous financial advisor or are simply not happy with the level of service or investment performance your existing advisor is providing we would be able to service and support you. We can easily transfer your accounts to be serviced by Argentum and at no additional cost.
10: I already have an international advisor.
We would always recommend that you get a second opinion in order for you to make sure that you are getting the best performance, service and support from your existing advisor and to make sure you are making the most from your existing investments. At Argentum we have access to a wide range of investment institutions and exclusive investment opportunities that many competitors wouldn’t. If you want to stay ahead of the markets and not miss out on the latest investment opportunities contact us now.

11: I already have an advisor back home.
Often advisors in your home country are limited domestically and for regulatory reasons to the range of investment solutions you have access to. Talking with us will give you a better idea of what solutions are available to you and how they can benefit you. Having all your investments with your advisor back home may also not be the most tax effective option available to you? Contact us at Argentum.
12: I like to manage my own investments.
For clients who want to manage their own investments we are able to give you access to a wide range of solutions you can use that you wouldn’t have access to yourself. You would be able to manage many of these solutions directly yourself online. We also offer administration services, taking care of all the headaches and paperwork for you.
13: Can Argentum manage my investments for me?
For clients who would rather have their investments and portfolios managed for them we are able to take care of everything for you from A to Z. Based on your risk profile and targeted annual growth we will recommend a portfolio to you. We will then continue to monitor, manage and make up-to-date recommendations to you via email or phone. Once you have confirmed any changes we are then able to make all necessary changes for you.
14: How can I switch servicing to Argentum?
You can easily transfer servicing of your existing accounts over to Argentum just by signing a switch form, which we can forward to you by email. We will then be in contact with you to introduce your Argentum advisor who will then conduct a financial review, set up your online viewing and outline the ongoing servicing and benefits you can expect from Argentum.
15. Do you only work with expats in Japan?
Argentum is headquartered in Japan. We also have partner offices throughout the Asian region and travel extensively within the region to meet with clients on an ongoing basis. Many clients live internationally and have mobile careers which often sees them living and working in a number of different countries before returning to their home countries or retiring abroad.

16. Shouldn’t I look for an advisory firm with offices all over the world?
Many people make the mistake of thinking working with a large global advisory firm will mean they get better advice and access to solutions. The reality is that the relationship you build with your advisor is a personal one that should last many years. With some global firms it is possible that your elected advisor may change more than once in only 12 months. At Argentum the advisor you start with is the one you keep.
17. How can I meet with an Argentum advisor?
The best way would be to contact us through our online enquiry form and complete all the necessary fields. An Argentum advisor would then be in touch with you to arrange a face to face meeting or phone meeting in order to conduct a financial review with you. This would be an initial review taking between 30 to 50 minutes depending on how many questions you may ask.
18. Where can I meet with an Argentum advisor?
We are headquartered in Tokyo and are able to meet you at your offices in the city centre at a time convenient to you. If you work outside central Tokyo we can arrange a place to meet in the centre or arrange for an initial consultation over the phone. We also travel to meet clients regularly throughout cities in Japan and the Asian region and can meet face to face depending on circumstances or talk and advise you over the phone or through Skype.
19. Can I discuss my options over the phone?
For people who would like to take advantage of our services and for any reason are not able to meet face to face with an advisor we can arrange a phone meeting where by the advisor will conduct a remote financial review with you. We are able to fully service and support you remotely anywhere in the world and often travel to meet with clients throughout the Asia Pacific region.
20. Do I need to be very wealthy to become a client?
As an independent financial advisory firm we are not tied to any one investment institution. We are able to work with a wide range of financial companies who have solutions for every type of individual, whatever your budget. This allows us the ability to recommend tailored solutions for you designed around your financial circumstances.

21. Can I refer a friend to Argentum?
Many of our clients have been introduced to us by existing clients and we’d be more than happy to meet with friends or colleagues you think would be interested in our services. If you could email us or complete the enquiry form we will be in contact with you soon.
22. Do you only work with financial institutions in Japan?
The majority of the account solutions we recommend to clients are based internationally allowing for tax benefits, portability, protection, security and confidentiality.
23. I’m not happy with my current financial advisory firm?
Please feel free to contact us and we’ll be more than happy to arrange a meeting face to face or over the phone with you. We would initially conduct a financial questionnaire and review with you and then give you recommendations on your existing accounts. Once Argentum has been elected by you to be your preferred advisory company we will then be able to give you continuing ongoing service and support.
24. What happens when I become a client?
As a client of Argentum your personal financial advisor will be in contact with you once every three months and will meet with you face to face at least once a year. Your advisor will respond to any enquiries within a 24 hour period. You will be able to track your accounts online, receive monthly market updates, quarterly valuations and general information in regards to new market opportunities. If you have chosen our Active Portfolio Management Service you will also receive updated recommendations for approval on a regular basis depending on markets and asset performance.
25. Do you service clients who move or live abroad?
Many of our clients have mobile careers and live internationally. When clients move abroad they continue to receive the same high level of support and advice from their advisor and Argentum. The only difference is that rather than face to face meetings, contact and reviews would be done through video conferencing or over the telephone. Today, technology allows us to reach out to you wherever you are.

26. How can I keep track of my investments?
You will be able to track your investments online by simply going to the Argentum website and logging into our client only viewing site. Many of the institutions we use allow you to view and manage your account online as well. Please speak with your advisor for more details.
27. How many investment companies do you work with?
We work with a wide range of Fortune 500 and internationally based institutions many of whom will only work with a select number of advisory firms. We have relationships with more companies than many of our competitors and cover a variety of different investment opportunities.
28. Why should I choose Argentum?
Argentum is one of the largest expat financial advisory firms in the Asia Pacific region and we are continuing to grow and expand. We offer access to a competitive range of solutions not available through other firms. We are dedicated to our clients and understand that building a personal and ongoing relationship with your advisor is essential. We have experienced advisors and provide a high level of advice and servicing support to our clients.
29. What does Argentum mean?
Argentum in Latin means silver. In early Roman times silver was the original coinage and all commerce was transacted in silver. Hence the word Argentum in Roman times was used to mean money.
30. How can I thank Argentum for the great service I’ve received?
The best compliment you could give us would be to introduce and recommend us to a friend or colleague. Please pass on to us the contact details of anyone who you would like to introduce to our services, and let them know that we will be in touch with them soon. We would appreciate the compliment.

 

FINANCIAL PLANNING

1. Why do I need a financial review?
Most people don’t take the time to step back from their day to day routine and take an overall look at their financial goals and plans. Regardless of what your income level is and what your future aspirations might be, you will need to have a solid plan to achieve your goals. A financial review is an opportunity to sit down with a professional financial planner who can help you get a clear picture of where you are, and also advise you on what is realistically possible to achieve in the future.
2. How long does an initial financial review take?
An initial financial review can take between 30 to 50 minutes, depending on how many questions you may ask and the complexity of your current financial situation and needs and priorities.
3. Do I need to pay for an initial review?
An initial review is free, and in meeting with a financial advisor there are no future financial obligations or requirements to become a client. We offer quality financial advice, and all the information you need to decide whether you would like to become a client of Argentum.
4. How often will my advisor meet with me once I’m a client?
Your personal advisor will be in contact with you throughout the year, and you will also be able to contact your advisor at any time with any questions or concerns. Usually your advisor will meet with you to conduct a full review of your personal finances and accounts annually, however we are available to meet with clients face to face on request or when required.
5. Will my personal information remain confidential?
Any personal information disclosed during your financial review will be used solely for the purpose of offering financial advice specific to your personal needs. Your information will remain strictly confidential at all times and will not be shared with non relevant third parties. For more information, please see our privacy policy.

 

RETIREMENT PLANNING

1. Why should I worry about retirement?
Retirement is the largest and most expensive financial commitment you will have to prepare for in your life. Many foreign nationals living and working overseas receive higher salaries but often at the expense of benefits such as a pension. Living abroad often requires you to replace these benefits with private solutions.
2. I’m still young and isn’t my retirement a long way off?
The cost of saving for retirement is dependant on how many years you have until you plan to retire. This is due to the compound interest you earn every year on your investments. Less years to retirement means less time for your investments to compound and grow, hence you need to put more money away. The sooner you start the cheaper it is and the more likely you are to meet your goals.
3. How can Argentum help me reach retirement?
Our advisors will help you to evaluate your future goals and achieve your financial retirement targets using tailored solutions. Once these solutions are in place your Argentum advisor and our servicing team will continue to manage and take care of your ongoing needs.
4. I don’t plan to retire, I like working.
Many people today see themselves continuing to work well into their later years. However, because your health and ability to stay employed are out of your control, people want to be financially independent in at some point in their future. This is usually in case they are unable to earn a living due to poor health or labour market constraints in their later years. It is always a good idea to have a nest egg.
5. What are QROPs, QNUPs and SIPPs pension solutions?
Many people who have worked in the UK for a number of years may still have suspended and locked pension investments held with previous employers. QROPs, QNUPs and SIPPs are different pension solutions that allow you to consolidate and transfer your UK pensions into international qualifying pension schemes giving you greater control and the freedom to choose your own investments and access the funds earlier.

 

EDUCATION PLANNING

1. How can I invest towards my child’s education fees?
The first step is to contact and meet with one of our financial advisers. If you have an idea already of the expected costs, please feel free to use our education calculator. Like with any other type of investing and financial planning, the key is to start as early as possible.
My children are still young so why worry now?
Due to compounding on investments, starting early can significantly reduce how much you will need to put away every month to cover the cost of your children’s education. For this reason, starting as early as possible is highly recommended. We recommend speaking to an advisor to learn about what options are available to you.
I am not sure yet what country my child will attend university.
Even if you are unsure where your child will most likely attend university in the future, we still recommend putting money away towards this goal. We can advise you on solutions that are portable, and flexible, and help you to decide on a realistic budget you can work towards from today.
Education fees are very low or free in my home country.
You may want to consider planning for this in any case as the costs of higher education are rising significantly everywhere. There is also the possibility that your child may chose to attend a university in a country where the costs are significantly higher than in your home country.
What happens if my child decides not to attend university?
Many solutions we recommend are flexible and could be transferred towards other financial goals and requirements, such as retirement, purchasing a property, or covering the expenses of your child’s wedding.

 

REGULAR INVESTMENTS

1. Is this a good time to invest in the markets?
With regular investment strategies, it is always a good time to invest because with regular investing the idea is to take timing the markets out of the equation. The question is not whether it is a good time to invest, but are you actively investing.
2. Should I wait until the markets are less volatile?
With regular investing the objective is to use the volatility in the markets to your advantage and take out the need to time the markets. As the market falls in value one month you are purchasing more for the same amount, as the markets rise in value you purchase less. Over time you’ll average out the markets, and reduce the overall risk in your investment.
3. Can Argentum service my investments for me?
For clients who would rather have their investments and portfolios managed for them we are able to take care of everything for you from A to Z. Based on your risk profile and targeted annual growth we will recommend a portfolio to you. We will then continue to monitor, manage and make up-to-date recommendations to you via email or phone. Once you have confirmed any changes we are then able to make all necessary changes for you.
4. What are the minimums I can invest monthly?
We work with a wide range of international Fortune 500 companies, each with solutions to suit your budget. We have solutions you can use to invest as little or as much as you’d like.
5. Do you only work with financial institutions in Japan?
The majority of the account solutions we recommend to clients are based internationally allowing for tax benefits, portability, protection, security and confidentiality.

 

LUMP SUM INVESTMENT

1. When is a good time to invest a lump sum?
This really depends on your risk profile, your investment horizon, and a variety of other factors. We recommend you meet with an advisor who can explain the options available to you. Your advisor will also be able to give you ongoing support and advice on your portfolio, helping you stay ahead of the market so that you don’t miss the next big market moves.
2. What investments can I access with a lump sum?
You may have an almost unlimited choice of assets and funds to choose from. Many vehicles are able to hold direct bonds and shares, mutual funds, hedge funds, ETFs, and more. We recommend you meet with an advisor who can explain the range of suitable options for your individual circumstances and profile.
3. What is a reasonable time frame for a lump sum investment?
A lump sum investment strategy should have a time frame of at least three to five years to be effective. The longer you remain invested, the greater opportunity for returns and growth while minimizing your exposure to volatility in the capital markets.
4. Why should I invest a lump sum?
A lump sum investment allows you to maximize the compounding effect and potential growth on your capital. Also, by placing your existing capital into the markets now, rather than later or over a period of time, you will reduce the opportunity costs on your money.
5. Can Argentum service my investments for me?
For clients who would rather have their investments and portfolios managed for them we are able to take care of everything for you from A to Z. Based on your risk profile and targeted annual growth we will recommend a portfolio to you. We will then continue to monitor, manage and make up-to-date recommendations to you via email or phone. Once you have confirmed any changes we are then able to make all necessary changes for you.

 

PORTFOLIO MANAGEMENT

1. Can you help me with my existing investments?
If for any reason you find yourself in a situation where you are no longer in contact with your previous financial advisor or are simply not happy with the level of service or investment performance your existing advisor is providing we would be able to service and support you. We can easily transfer your accounts to be serviced by Argentum and at no additional cost.
2. Can Argentum manage any new investment for me?
For clients who would rather have their investments and portfolios managed for them we are able to take care of everything for you from A to Z. Based on your risk profile and growth targets we can recommend a personalised portfolio to you. We will then continue to monitor, manage and make on going recommendations to you via email or phone.
3. I already have an advisor. Why should I meet Argentum?
We recommend that you get a second opinion to make sure that you are getting the best performance, service and support from your existing advisor and to confirm you are making the most from your existing investments.
4. I’m not happy with my current financial advisory firm?
Please feel free to contact us and we’ll be more than happy to arrange a meeting face to face or over the phone with you. We would initially conduct a financial questionnaire and review with you and then give you recommendations on your existing accounts. Once Argentum has been elected by you to be your preferred advisory company we will then be able to give you continuing ongoing service and support.
5. I like to manage my own investments.
For clients who want to manage their own investments we can give you access to a wide range of solutions that you wouldn’t be able to access to yourself. You would be able to manage many of these solutions directly online. We also offer portfolio management services where we take care of all and any admin for you.

 

OFFSHORE TAX PLANNING

1. Are offshore investments portable?
Offshore investments can be maintained, serviced, controlled, and accessed from anywhere in the world. This means that moving to another location does not necessarily mean you will have to close your accounts. In fact, offshore investments are designed specifically to be portable and work well for professionals with mobile careers.
2. Why hold my wealth and investments offshore?
There a number of benefits to utilizing offshore financial jurisdictions. They provide a safe, secure, and regulated environment to accumulate and manage your wealth from anywhere in the world. They can provide a high level of investor protection and confidentiality, potential tax advantages, and the ability to access investments unavailable in your country of residence or at home.
3. Can I access my investments easily?
You will be able to monitor, manage and access information on your investments from anywhere in the world regardless of where you live. In the case of access to capital, a simple transfer request can be auctioned so that you will be able to receive your funds when you need them.
4. Does investing offshore mean that I don’t have to pay tax?
Depending on a number of factors, your offshore holdings may grow tax free until you need them. Investing offshore may allow you to defer any tax liability until you make disbursements to yourself in the future. Tax planning and management allows you to control when and how you receive those future disbursements, potentially reducing your tax liability.
5. How safe is offshore investing?
Leading offshore financial centres such as the Isle of Man, Jersey and Guernsey can offer a high degree of security and peace of mind. These centres enjoy first-class credit ratings, as well as a high level of financial regulation and investor and bankruptcy protection. More than half of the world’s assets and investments are currently held in offshore jurisdictions.

 

LIFE INSURANCE

1. How much life insurance do I need?
How much life cover you need depends on your personal circumstances. If you are the main earner in your family and have young children, your life insurance needs will be much higher. There are many factors that can determine the amount of life cover you need, however areas to consider are how much money your family will require to cover current and future financial obligations, such as your mortgage, future university fees, as well as being able to maintain their current standard of living.
2. Why should I have private cover when I’m already covered at work?
Many employers will offer life insurance cover to their employees. However, it is often the case that the amount of cover provided by employee plans will not be sufficient to address all your protection needs. Additionally, in many cases the coverage will cease when you leave your company, leaving you potentially unprotected, and depending on your age and health condition, it may be expensive, or very difficult to acquire cover at that time.
3. What is the difference between term life and whole of life insurance?
Term life insurance will only cover you for a specified period of time, for example 20 years. Once that period ends, cover will end and the policy lapses. Whole of life cover is life insurance for the whole of your life, and so there will be a payout in the future.
4. Should my spouse also have life insurance cover?
There are many financial pressures on a family after the loss of either parent. The financial strain on a family after the loss of a spouse can be significant, even if the deceased spouse wasn’t working, and in many cases insurance is taken out to cover the cost of care workers for your children so that you can continue to provide for your family.
5. Why choose an international life insurance policy?
This is ideal for people who may be working overseas or find that they have very mobile careers and want to keep the same insurance policy. For many people it is simply the comfort of being able to access a solution where all the terms and conditions are in English, all the support staff speak English and the cover is offered to you by a well known Fortune 500 company, rather than a local insurance option in a foreign country that will become void when you leave.

 

HEALTH INSURANCE

1. Why do I need health insurance cover?
Having access to international doctors and English speaking care workers can be expensive. Many foreign nationals would rather go to an international hospital of their choice for treatment, rather than a local hospital which in many cases may be of a lower quality. In certain countries, even local medical expenses can be high and not having medical cover could leave you in a foreign country with little or no health care when you need it.
2. What are the advantages of international health cover?
Covering the small things like prescription drugs, right up to the big things like surgery, cancer care and evacuation, with international health cover you have worldwide access to medical care in whatever country you find yourself in. You can call English or multi-lingual support staff 365 days a year to help you get the immediate attention you require at the hospital of your choice. For people in countries that don’t have national health insurance or only cover partial payment of medical bills, international health insurance is one of the most important parts of your life abroad.
3. How much does it cost?
There are a number of cover options available, with a range of benefits and optional extras to suit your needs and budget. Payments can be made via credit card, debit card, or bank transfer in USD, GBP, and EUR. To get a free quote today, simply answer the questionnaire here.
4. How do I apply, and will I need a physical?
Applying for cover is quick and easy, and a medical check-up is not required. Our team will guide you through the application process, so that you can be covered as soon as possible. Your international health insurance will go live the same day that the insurer receives your completed application, payment and everything is accepted.
5. If I need medical assistance, can I go to any doctor?
Yes, you will be free to choose your preferred hospital or clinic to receive treatment, as long as your doctor of choice is a licensed practitioner. This gives you the flexibility and control to get treatment from the health care professionals you feel most comfortable with. Living abroad, this could mean English speaking doctors or doctors who have trained overseas.

 

PROPERTY & MORTGAGES

1. What should I be thinking about before buying a property?
You need to decide what you are buying the property for. Is it going to be your primary residence, an investment property or a holiday home? Many people try to serve all three objectives at the same time but this rarely works out as planned. You will also need to decide the budget, the location and how much capital you have available to use as a down payment.
2. How much money will I need as a down payment?
This will vary depending on the country you wish to purchase a property, as well as whether the property will be for your primary residence or for investment purposes. Generally speaking you will need to place anywhere between 15% to 40% as a down payment. You should talk to an advisor directly for find out more.
3. Can I invest in property without having to buy one?
There are a wide range of property funds or real estate investment trusts (REITs) giving you exposure to international property markets and a diverse range of property classes. We work with many specialist property investment managers. Contact us for more info.
4. What are my options regarding mortgages?
As many lenders will treat mortgage applications on a case by case basis depending on your current financial status, where you reside, the location, and the type of property you wish to buy, the best thing is to contact us directly for advice on what mortgage solutions are available.
5. Can you help me buy a property in Japan?
At Argentum Homes we work with specialist partners who can help you to purchase a new home, an investment property or even an entire apartment building. Our bilingual Japan advisors have years of experience working in the property market in Japan and will be able to walk you through and explain many of the traps associated with buying property in Japan. We recommend you contact us at Argentum for quality advice and information.

 

ESTATE & TRUST PLANNING

1. Do I need a will or a trust?
In many ways a trust acts in the same way as a will, however it is very difficult to successfully contest the wishes expressed in a trust when the creator of the trust passes away. Depending on your circumstances and accounts there are simple trusts which can be set up for you whatever the value of your holdings.
2. When should I start thinking about estate planning?
People need to start thinking about estate planning when they have dependents that rely on them financially. The more assets and wealth you accumulate, the more important this becomes. If you are a high net worth individual with dependents, this should be an integral part of your overall financial planning strategy.
3. Can I consolidate my international assets through a company?
Yes you can, although this only makes sense for clients whose assets are valued in excess of a million dollars. These are structures that would be ideal for high net worth individuals. We can advise and design structures for you depending on your personal circumstances.
4. What can I do about Inheritance Tax (IHT)?
This really depends on where you live, where your assets are based, your nationality and the overall value of your personal holdings. In most countries such as the US, UK and Japan there is a tax free IHT allowance of up to five hundred thousand dollars. As we advise on IHT planning case by case the best thing would be to contact us directly for more info.
5. Can you help with Inheritance Tax Planning in Japan?
Yes, however you would need to speak with one of our estate planning specialists for more details on this.

 

COMPANIES & GROUPS

1. How can my business benefit from group solutions?
Giving your staff a range of financial benefits with their employment package will keep your business competitive and help you to retain staff over the medium to long term. This will also reduce any concerns your staff have over their financial future and make for a happier work place.
2. Is there a minimum staff size for group solutions?
As all our group solution packages are designed around your organisation and unique requirements we can offer corporate solutions for one or a number of employees.
3. What are the advantages of international employee benefit packages?
For many foreign owned or managed companies in countries where there are no traditional private banking services or where foreign employees only intend to reside in the country temporarily portable internationally based solutions are ideal.
4. What group expat solutions are available?
We have a wide range of group solutions for foreign nationals and the best thing is to contact us directly to get a better idea of how we can help you, your staff and your company.
5. Would there be a fee before proposing a company solution?
Any initial consultation with your company would be free of charge. Depending on each companies specific requirements we would then design a strategy and group solution for your company.

 

CAREERS

1. Do I need any experience to apply?
Experience is not essential for our entry level positions. A winning, positive attitude, good people skills and a determination to succeed are required. Prior experience in finance, sales, marketing or event management would work in your favour when applying with us. Send us your resume and cover letter, explaining why you feel you would be a good addition to Argentum.
2. What are you looking for in an applicant?
Someone who is ambitious, motivated and isn’t afraid of hard work and commitment. As we are client orientated you need to be good with people and have a positive attitude even when faced with rejection. Also a visa allowing you to work and reside in Japan, or in Hong Kong and Malaysia.
3. Can I become a financial advisor with Argentum?
For the right candidates, we have a junior advisor training program that supports and educates individuals to be competent and successful advisors. If you feel this is a career for you, but are not sure how to achieve this goal, get in touch with us to find out what options are available for you at Argentum.
4. Are you looking for financial advisors already working in the industry?
We welcome any industry experienced financial advisors and would be open to meet and talk with you to discuss what benefits Argentum can add to you and your clients.
5. What extra benefits can I expect by moving to Argentum?
Argentum has a highly committed and trained servicing department to help you manage your existing clients. We work with many financial institutions giving your clients access to a wider range of solutions than what may be available through your existing company. We provide ongoing training and development, competitive remuneration, and a positive, energetic working environment that promotes personal growth and success.

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