Raymond Gombera, Partner at Arck Wealth
As many South African investors face a local market with limited options and growing economic uncertainty, investing offshore is becoming an increasingly popular strategy. It’s part of a global trend where people are looking to spread their investments and reduce risk by exploring international opportunities.
In South Africa, more people are moving abroad, retiring overseas, or spending extended time with family in other countries. This shift has created a growing need for offshore investment solutions.
Recognising this need, GrowthHouse has partnered with Arck Wealth, a specialist firm in offshore investing and legacy planning. Together, they offer expert guidance on choosing the best structures for international investments. Recently, Arck Wealth hosted a client event in Sandton, featuring speakers from respected names like Discovery, Cogence, and BlackRock. Key themes that emerged included estate planning, wealth preservation and the significant role of behaviour in driving financial outcomes.
The Johannesburg Stock Exchange (JSE) has seen a steady decline in listed companies, reducing local investment choices and increasing market concentration which means more risk for investors.
“The local stock market is often seen as riskier due to political and economic instability,” says Raymond Gombera, Partner at Arck Wealth. “Fewer companies on the JSE means fewer options and higher risk. That’s why many investors are now looking offshore for better diversity and stability.”
Offshore investing gives South Africans access to a wider range of markets, helping to protect their capital and unlock new opportunities in global industries like technology, healthcare, and energy.
Younger generations, especially Millennials and Gen Z, are embracing offshore investing. Thanks to user-friendly platforms and low-cost trading options, they can now invest globally with small amounts of money something that wasn’t possible just a few years ago.
However, building wealth takes more than access to markets. “Many young investors focus on short-term spending instead of long-term planning,” says Gombera. Financial advisers play a key role in helping them develop good habits and create a roadmap for their future.
One of the biggest benefits of offshore investing is reducing risk. By investing in different countries and industries, investors are less affected by local economic ups and downs. Some international markets also offer stronger investor protections and better regulations.
“Offshore investing isn’t about avoiding risk,” says Gombera. “It’s about managing it wisely through proper diversification and thinking long term.”
It also allows investors to tap into fast-growing global markets, providing a buffer against slow or uncertain growth at home.
While the benefits are clear, offshore investing isn’t something to dive into without help. Different countries have different tax laws, currency risks, and regulations that can be difficult to navigate.
This is where working with a knowledgeable financial adviser is key. The right strategy will be tailored to your personal goals, risk comfort level, and timeline. “A well-rounded investment plan ensures your money is working for you and growing safely over time,” says Gombera.
Offshore investing is no longer only for the wealthy. Technology and global access have made it possible for more South Africans to explore these opportunities.
Partnering with experienced advisory firms like Arck Wealth gives investors the support they need to make smart decisions. As local investment options shrink, looking beyond our borders can offer better growth, more security, and long-term peace of mind.
“Offshore investing is for anyone who wants to protect and grow their wealth,” says Gombera. “Start early, invest wisely, and always seek expert advice.”
In a world where economies are more connected than ever, offshore investing is not just smart – it’s essential.
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