STM GROUP
MORE THAN JUST A QROPS PROVIDER

Life Assurance Bond solutions for individuals living in,
or planning to move to, Spain or Germany.

INTRODUCING THE STM LIFE INTERNATIONAL UNIT-LINKED LIFE BOND FOR SPANISH RESIDENTS


SPANISH TAX COMPLIANT
BENEFITS FROM THE SPANISH TAX DEFERRAL REGIME

STM Life’s fiscal agent (STM Nummos) liaises with the Spanish tax authorities and pays withholding taxes when due on behalf of the Policyholder. Policyholder obtains a tax credit allowing retention against any Spanish liability due. No tax on income and capital gains until benefits received (withdrawal, partial or full encashment). Policyholder determines when to pay income tax whilst capital and interest grow tax free.

KEY FEATURES

A single premium unit-linked whole-of-life assurance policy

Designed for individuals with tax residence in Spain

Min €50,000 (or currency equivalent available in £/€/$

Regular withdrawals permitted

100% Policyholder protection
 
 

INVESTMENTS

Shares or securities in undertakings of collective investments
in transferable securities (UCITS)

Units or shares in an open-ended investment company (OEIC)

Cash

Discretionary fund managers and platforms can be used within the Bond

 

INTRODUCING THE STM LIFE CAPITAL BOND GERMANY


GERMAN TAX COMPLIANT
BENEFITS FROM THE GERMAN TAX DEFERRAL REGIME

The STM Life Capital Bond Germany is a compelling sales proposition, ideally suited to those living abroad that expect to become German tax resident at some point in the future, or those already living in Germany. The STM Life Capital Bond Germany offers the best of both worlds, providing all the tax benefits of a German life policy while affording the unique investment flexibility of a Gibraltar regulated life company.

KEY FEATURES

A fully German compliant single premium unit-linked investment bond

Provides German tax residents with significant tax advantages and wealth structuring opportunities whilst resident in Germany

Min €100,000 (or currency equivalent), available in £/€/$

Preferential tax treatment on partial encashments

100% Policyholder protection

INVESTMENTS

A standardised investment strategy

Publicly available investment funds that track published indices
(exchange traded funds)

 

CONTACT ANTHONY LOWES FOR MORE INFORMATION

 
 

Anthony Lowes

Regional Product Specialist
Israel, Europe & UK
E: anthony.lowes@stmgroupplc.com
T: +34 629 680 092

 









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