Wealth Management in Singapore

« Alexis, I'm relocating to Singapore for my career. The tax regime there is attractive, but how do I manage my assets in France while capturing the opportunities in Asia, without exposing myself to the French tax authorities? »

Singapore is not merely a prestigious stopover in an international career; it is one of the most powerful and stable financial hubs in the world. For a French expatriate, this city-state offers a particularly favourable environment for tax optimisation, yet it also demands absolute rigour in structuring one's cross-border assets.

At Balmont Conseil, we do not view your expatriation as a mere interlude, but as a wealth accelerator. As a Wealth Engineer equipped with Augmented Wealth AI (Alta), my mission is to build the bridge between your situation in France and your new opportunities in Singapore, securing every step of your international mobility.

Why Singapore is the sanctuary for your wealth

Singapore stands out for its stable economy and a pro-business environment unique in South-East Asia. For an expatriate, the advantages are structural.

Singapore: a hub of financial sovereignty in Asia

Singapore is far more than a leading financial centre; the city-state distinguishes itself through recognised political stability and a "pro-business" environment that make it an economic singularity in South-East Asia. For an expatriate, the advantages are not merely fiscal — they are structural and enduring:

1. A territorial and incentive-driven tax regime

  • Dividends and capital gains: Generally tax-exempt. This allows the full reinvestment of one's profits with no tax friction.
  • Income tax: An ultra-competitive progressive scale. The effective rate for most expatriate executives lies between 12% and 18%.
  • Double taxation treaties: An extensive network protecting your international income against multiple taxation.

2. Optimised wealth transmission

The absence of inheritance tax since 2008 makes Singapore a sanctuary for succession planning.

  • No inheritance tax: The net value of your assets (financial, property or company shares) remains intact for your heirs.
  • Protection tools: Robust trust legislation to guarantee the confidentiality and protection of assets.

The Singapore Dollar (SGD) is one of the most solid currencies in the world, offering a reassuring store of value against inflation.

3. A banking sector of excellence

Access to global financial markets, to leading investment funds and to top-performing family office services.

The Expatriate Wealth Audit: the essential starting point

One does not manage one's wealth in Singapore the way one does in Paris. Before any decision, Balmont Conseil carries out a complete expatriate wealth audit.

Understanding your tax residence

The tax-residence criterion is the pivot of your strategy. We analyse the impact of the tax treaty between France and Singapore in order to avoid any double taxation and to optimise the use of any expatriate tax credits.

Tailor-made investment strategies

From Singapore, your horizons broaden. We support you with:

  • Investment diversification: Access to investment opportunities in Asia (Private Equity, Real Estate).
  • Property: Reallocation of your assets in France and property investment in Singapore or across the region (Australia, Thailand).
  • Alternative investments: Advice on cryptocurrencies and taxation, a highly dynamic sector within the city-state.

Wealth management services for French-speaking expatriates

Balmont Conseil offers a holistic approach, coordinating your local and international interests.

Family Office and Portfolio Management

For families with significant wealth, we structure family-office solutions in Singapore. This enables the centralisation of portfolio management and the protection of assets against global political or currency risks.

International Succession Planning

How do you pass on your Singapore assets to your heirs who have remained in France? We design wealth-transmission structures using trusts or Luxembourg life insurance to ensure that your wishes are honoured with minimal tax friction.

Wealth Protection and Risk Management

Expatriation brings its share of uncertainty. We put in place a wealth risk management framework (international protection cover, expatriate health insurance, legal protection) so that your family is safeguarded, whatever your country of residence.

Why choose Balmont Conseil in Singapore?

Choosing a wealth advisory firm for your expatriation calls for trust and a dual tax culture.

  • Cross-Border Expertise: We have a firm command of the specifics of French law and the rules of the MAS (Monetary Authority of Singapore).
  • Personalised Support: You are not a number in a private bank. You benefit from a dedicated wealth adviser who understands the realities of expatriate life (school fees, housing, return to France).
  • Innovative Solutions: Through our Augmented Wealth Engineer approach, we use AI to simulate the impact of tax reforms (such as a possible tax reform in Singapore) on your long-term trajectory.

FAQ : Your questions on expatriation to Singapore

Do I continue to pay tax in France on my Singapore income?


How can I protect my savings against global inflation from Singapore?


Can I keep my French life insurance in Singapore?


What are the steps to open an investment account in Singapore?

Europe

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Asia

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Luxembourg

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Belgium

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Switzerland

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Spain

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Italy

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Portugal

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Japan

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South Korea

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China

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India

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Indonesia

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Thailand

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Vietnam

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Philippines

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Qatar

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Jordan

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Saudi Arabia

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United Arab Emirates

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United Kingdom

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Hong Kong

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Malaysia

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Mauritius

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France

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Turn your expatriation into wealth success

Singapore is a land of opportunity for those who know how to navigate between jurisdictions. Do not let administrative complexity hold back your financial growth. Whether you are in a phase of wealth protection or in pursuit of high returns in Asia, Balmont Conseil is your trusted partner.

Your ambition deserves world-class expertise.

Alexis Sagnier

With over 17 years of expertise in financial engineering, Alexis Sagnier supports company directors and expatriates in securing their cross-border interests.

Sources & References:

  • Code Général des Impôts (CGI): Article 155 B.
  • Bulletin Officiel des Finances Publiques (BOFiP): Impatriate regime (BOI-RSA-GEO-40).
  • Loi de Finances 2025: Analysis of recent developments.
  • Case law on impatriation: Conseil d'État rulings on the reference remuneration.
  • ANACOFI Member Handbook: Standards of advice in wealth engineering.

Ready to structure your future?

Whether you are in Lyon or on the other side of the world, Alexis Sagnier and the Balmont Conseil team are here to listen.