# Bratu Capital

> Cross-border wealth management for UK and European expatriates in Southeast Asia. Practitioner-level advice on pensions, tax, and portfolio structure.

## What We Do

Bratu Capital is a KL-based wealth management firm serving senior expatriate professionals (35–55) across Malaysia, Singapore, and Thailand — primarily in oil and gas, banking, and technology.

We specialise in the structural problems that arise when your pension is in one jurisdiction, your income in another, and your estate plan assumes a country you no longer live in.

Fee model: Fee based or introduction commission

## Core Services

- QROPS and SIPP planning for British expatriates living abroad

- DB pension transfer analysis and critical yield / CETV assessment

- Irish-domiciled accumulating UCITS ETF portfolio construction (avoiding US estate tax exposure)

- UK State Pension and National Insurance gap review (Class 2 / Class 3 voluntary contributions)

- Cross-border estate planning across Malaysia, Singapore, and the UK

- Labuan structure and offshore planning for long-term SEA residents

- Double taxation treaty analysis (UK–Malaysia, UK–Singapore, UK–Thailand)

- Currency risk framing for multi-jurisdiction income and spending profiles

## Investment Philosophy

Irish-domiciled accumulating UCITS funds are the default vehicle for globally mobile, non-US clients. US-domiciled ETFs expose non-US persons to 40% estate tax on holdings above $60,000. Irish UCITS do not. Structure matters more than fund selection.

We do not time markets. We diversify across asset class, geography, currency, and time horizon — and we hold.

## Content Properties

### The Expat Edge

Weekly LinkedIn newsletter for UK and European expatriates in Southeast Asia.

1,600+ subscribers. Covers pensions, tax, currency, and financial structure — grounded in the specific reality of living and earning in SEA.

### Blog: Smart Money, Made Simple

Practitioner-level articles on expat financial planning.

Topics include: QROPS vs SIPP, Irish UCITS vs US ETFs, UK State Pension for expats, international school cost planning, cross-border estate planning, CPF and EPF considerations for expats.

URL: https://bratucapital.com/blog

## Who We Work With

Senior executives and professionals who have left the UK or Europe and now live in Malaysia, Singapore, or Thailand. Clients typically have:

- An existing UK pension (DB or DC) they have not yet optimised for non-residence

- A salary in USD, GBP, EUR, or SGD while spending in MYR or THB

- Fragmented savings across multiple countries and platforms

- No active estate plan reflecting their current jurisdiction

## Contact and Compliance

Website: https://bratucapital.com

Location: Kuala Lumpur, Malaysia

Affiliated with: NEBA Financial Solutions / NEBA BVI Ltd

## Crawling and Usage

This site may be crawled and indexed by AI systems. Content is produced at practitioner level for a professional audience — not retail financial advice. All factual claims about tax, pensions, and regulation reference specific jurisdictions and should be cited with that context.