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For expats
You live in Czechia, but your assets, income or investments reach beyond one country. We help you see them as one whole and build an investment strategy that accounts for different currencies, different countries and your long-term plans.
Our services
Your wealth may have grown gradually, in different countries, different currencies and with different institutions. The investments, accounts or other assets can each work well on their own and still not add up to a strategy that matches what you need today.
So we start by looking at them as a single whole. We take into account where you live, which currencies your income and expenses are in, what you already own and what your further plans are. Only then do we propose an investment strategy.
Who the service is for
We most often help people who have already built their wealth and want to manage it as one portfolio. They may hold investments, income or other assets in several countries, use more than one financial institution, or be working out how to manage larger capital over the long term. We also look after portfolios in the tens of millions of crowns.
As wealth grows, the question is no longer only where to invest. Currency allocation, liquidity, diversification, tax residence, future moves and long-term planning for the family all become part of the same picture.
Want to understand the key questions before we meet? Read our guide to investing in the Czech Republic as an expat.
Frequent questions
Yes. Living in the Czech Republic does not mean your investment options have to be limited to Czech products or institutions. We work with international investment solutions and build the strategy around your overall financial situation, goals, investment horizon and risk profile.
If you already hold investments abroad, we include them in our assessment rather than automatically recommending that you move everything to the Czech Republic.
Not necessarily. What matters is your individual situation, including where you live, your tax residency, citizenship and where your assets are held.
These factors can affect which investment solutions are available to you. Where your situation raises specific tax or legal questions, these should be assessed separately with the appropriate specialist.
Yes. Moving to or living in the Czech Republic is not, by itself, a reason to sell or transfer investments you already hold elsewhere. Some foreign institutions apply their own residency requirements, so in a few cases keeping an account open is decided by the provider rather than by us.
We first look at what you own, how much it costs, what risks and exposures it adds to your portfolio and whether it still has a clear role in your overall strategy. Some investments may be worth keeping exactly as they are. Others may overlap with the rest of your portfolio or no longer fit your goals.
The aim is not to move everything to one place. It is to make sure all parts of your wealth work together.
There is no single correct currency for an international investor.
If you earn, spend and hold assets in CZK, EUR, USD or other currencies, we look at your situation as a whole. This includes your expected future expenses, conversion costs and, importantly, the actual currency exposure of the underlying investments.
The currency of an investment account does not necessarily tell you which currency risks you are taking. That is why we treat currency as one part of the overall investment strategy rather than starting with the question of whether you should “invest in euros or Czech crowns”.
Your investment strategy should not depend entirely on you staying in one country forever.
If you move abroad, we can review the portfolio in light of your new situation. A change of residence or tax residency may, however, have tax or legal consequences and can affect which investment solutions are appropriate or available.
These implications need to be assessed individually and, where necessary, together with the relevant tax or legal specialist.
That depends on your individual circumstances, particularly your tax residency, the type and location of your investments and potentially other cross-border factors.
We take tax considerations into account when discussing your investment strategy, but we do not replace individual tax advice. Where necessary, we work alongside tax specialists so that the investment and tax aspects of your situation can be considered together.
Yes. The entire relationship can be conducted in English, from the first conversation and the design of your investment strategy to portfolio reviews and ongoing communication.
For us, this is more than translating documents or investment terminology. You should be able to discuss your goals, concerns, risks and significant financial decisions in a language in which you feel completely comfortable.
Yes. This is particularly relevant for clients whose wealth has developed across several countries, currencies or financial institutions.
We start by looking at the complete picture rather than treating each account separately. For high-net-worth clients, the resulting structure may involve international investment solutions and, where appropriate, diversification across financial institutions as well.
In some cases, this can include a solution through a Swiss bank. This is not a standard recommendation for every international client: the appropriate structure depends on the size of the portfolio, the client’s circumstances and the role each institution is intended to play.
We can meet in person or online, in English or Czech. We will start with what you already have, discuss where you want to go and find out whether Melior Invest is the right fit for your situation.
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