The "STM life Capital Bond Germany" is a fully compliant single premium unit linked investment bond that provides German tax residents with significant tax advantages and wealth structuring opportunities whilst resident in Germany. The STM life Capital Bond Germany offers the best of both worlds. On one hand the product solution provides all the tax benefits of a German life policy solution and on the other hand it offers the unique investment flexibility of a Gibraltar regulated life company.
Fully compliant German life product solution
Client individual policy cells (no pooling of client assets)
Statutory investor protection - client assets are 100% ringfenced from STM life assets.
Tax deferral regardless of chosen policy term
Tax free roll up of gains, dividends and interest
Tax free switching of funds and investments strategies
Additional tax benefits after having reached age 62, and 12 year policy term
Exclusive choice of underlying investments
Simple and efficient financial planning too to mitigate German IHT
policy can be adjusted to changing circumstances (e.g. moving away from Germany)
Please get in touch if you think this might help you living and working in the UAE.
Hope this helps someone.