Chorus Financial is an award-winning, privately owned brand based in Spain. Our team have over 30 years combined experience in investing and advising British families on their pensions, savings, investments & tax planning.



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How Do Spanish Compliant Investments Work?
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+34 965 641 163

How Do Spanish Compliant Investments Work?

As an expat in Spain, understanding how Spanish compliant investments work is key to managing your finances effectively and ensuring your investment strategy aligns with local tax laws. Spanish compliant investments are financial products that have been specifically designed to be tax-efficient under Spanish tax law.

One common type of Spanish compliant investment is the ‘Spanish Compliant Bond’. This is a life insurance policy that has an investment element. They’re structured in a way that complies with Spanish tax regulations, offering significant tax advantages.

The key benefits of Spanish compliant investments are their tax efficiencies:

  1. Tax-deferred growth: Any growth within a Spanish compliant bond isn’t taxed until you make a withdrawal. This allows your investment to grow without the immediate burden of tax, potentially providing higher returns over time.
  2. Taxed on gains only: When you withdraw money from your investment, you’re only taxed on the gain portion of the withdrawal, not the entire amount. This is a significant advantage over other investment types where the entire withdrawal might be subject to tax.
  3. Flexibility: Spanish compliant bonds offer flexibility in terms of investment options. You can choose from a wide range of assets, such as funds, equities, or bonds, based on your risk tolerance and investment goals.
  4. Estate planning benefits: In the event of your death, the bond is paid directly to your nominated beneficiaries, without going through the often lengthy and complex probate process.

While Spanish compliant investments offer considerable benefits, they might not be suitable for everyone. It’s important to understand that all investments come with risks, and the performance of your investment depends on the underlying assets you choose. Therefore, it’s crucial to consider your financial goals, risk tolerance, and investment timeline before deciding if a Spanish compliant investment is right for you.

At Chorus Financial, we’re experts in providing financial advice tailored to British expats living in Spain. We have a deep understanding of both UK and Spanish financial systems and tax laws, including Spanish compliant investments. If you’re considering Spanish compliant investments or need help with financial planning in Spain, don’t hesitate to contact us. We’re here to help you navigate the financial landscape and make informed decisions about your wealth.


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Contact Chorus Financial today for a free, no obligation call with a qualified Financial Adviser in Spain. Provide brief information on what you need help or advice with, and let us know what part of Spain, or elsewhere, you are based in so we can assign the best Spanish based financial adviser for you.

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