Tax-Efficient Investing for Expats in Spain
Spanish residents face annual taxation on unrealised investment gains with standard structures. Insurance-based Spanish Compliant Bonds offer tax deferral, preferential rates, and succession planning — all within a fully tax-compliant framework.
Explore Your Options — Confidential ConsultationKey Benefits
- Tax deferral: No annual tax on portfolio growth while invested
- Preferential rates: Gains taxed at 19–28% savings rates, not up to 54%
- Fund switching: Change investments without triggering Spanish tax
- Wealth tax mitigation: Policy structure helps manage exposure
- Succession planning: Named beneficiaries outside Spanish probate
- Portability: Bond adapts if you relocate to another jurisdiction
Product Features
| Minimum Investment | €100,000 |
| Fund Universe | EU UCITS / Spanish-compliant funds |
| Currencies | EUR, GBP, USD (multiple in one bond) |
| Architecture | Open — most ETF, Index, or Mutual Funds |
| Tax Compliance | Spanish fiscal representative appointed |
| Recommended Holding | 5+ years |
| Regulation | Central Bank of Ireland / Solvency II |
| Succession | Named beneficiaries outside Spanish probate |
Who Is This For?
Expatriates and international residents in Spain with €100,000+ in investable assets who want to grow their wealth tax-efficiently while maintaining full Spanish compliance.
The Fideso Advantage
Most financial advisers lack deep Spanish tax expertise. Most tax firms don't offer investment structuring. Fideso uniquely combines both — integrated tax compliance and insurance-wrapped wealth solutions under one roof.
Buying Property + Wealth Structuring = Complete Advisory
Clients purchasing property in Marbella typically have investable assets that benefit from a Spanish Compliant Bond. Fideso provides both services under one roof — seamless, integrated advisory.
See our Real Estate AdvisoryExplore Your Options — Confidential Consultation
We will assess your situation confidentially and advise whether a Spanish Compliant Bond is right for you.
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