Australian Expat Financial Services LP

Expatriate Financial Consultation
For Australians in Singapore

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What does expat life in Singapore mean to you?

Being an expat can be exciting, but also a little daunting. In our many conversations with Australian Expats some questions come up again and again. We have listed below the 7 most common questions we are asked:


  1. Is Australian property a sensible investment, and if so
  • Does it make sense to negatively gear my mortgage(s)?
  • Do the changes to the main residence exemption mean that I should sell before 1st July 2019?
  • Do the tax implications of being a foreign investor outweigh the benefits of property ownership?


  1. How do I make the most of my Super, and in particular
  • Can I continue to contribute to Super, and if so should I do so?
  • How can I keep track of my Super and get local advice on what to do?
  • Will pooling my various Super Funds into a single plan save me money?
  • Will my Super face additional tax now that I am an expat?


  1. How can I maximise the value of my savings, should I
  • Take advantage of tax advantaged plans not available in Australia?
  • Send my money home to Australia to save in funds taxed there?
  • Consider investing in other currencies or stick to Australian Dollars?


  1. What should I do about Life Insurance, is it better to
  • Keep my insurance in Australia and if I do will I still be covered?
  • Pay for insurance through my Super or should my Super be purely for retirement savings?


  1. I have a will in Australia, is this enough or should I have a will in Singapore and another in Australia?


  1. What will happen to my children if anything happens to me, I need to know
  • Will they be able to stay at their school in Singapore?
  • What happens until their Guardian can come to Singapore to look after them?


  1. If I need to send money home, what is the best and most cost-effective way to do so?

The information on this web page is for general information only. Please refer to our Terms Of Use

Our Services:

 Investment Advice
 Education Fee Planning
 Retirement Planning
 Life & Critical Illness Insurance Advice
 Lifestyle Financial Planning
 Income Protection Planning
 Pension Audit Service

About AAM Advisory

AAM Advisory offers complete financial planning services for Expatriates, Permanent Residents and Singaporeans focused around wealth creation and preservation strategies. We have a team of over 30 experienced financial representatives backed by a wealth of research, knowledge and expertise servicing over 5,000 clients and in excess of SGD 1 billion under advisement.

Our office is located in the heart of the CBD at CapitaGreen, an ultra-modern 40-storey eco-friendly office tower.

International Adviser, Best Practice Adviser Awards (Singapore)
We were winners in the following categories:

  1. Best Adviser Firm, by Region (2018)
  2. Excellence In Operational Efficiency (2018)
  3. Excellence In Professional Development (2018)
  4. Excellence In Marketing & Client Engagement (2017)
  5. Excellence In Social Media (2017)
  6. Excellence In Investment Planning (2016) 
  7. Excellence In Professional Development (2016)

Expat Living Reader’s Choice
We were Gold Winners, winning best Financial Planning company

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Book a no-obligation review with one of our Australian specialists in Singapore now.