NEBA Private Clients provides independent financial planning, investment and wealth management for expatriates living in Malaysia, including those resident under the Malaysia My Second Home (MM2H) programme. We help internationally mobile professionals, retirees and families plan across borders, with a regulated presence in Labuan and a wider footprint across five jurisdictions.
Why expats in Malaysia need cross-border advice
Malaysia is an attractive base, particularly for retirees and long-stay residents, but a comfortable cost of living does not remove the need for joined-up planning. Many residents keep pensions, property and family ties in the UK or elsewhere, and choices made in Malaysia can carry tax and estate consequences at home. Exposure to UK Inheritance Tax often depends on domicile rather than residence, and currency, the length of your stay and your eventual plans all shape the right strategy.
How we help expats in Malaysia
We advise on investment management, UK pension transfers, tax planning, estate and succession planning, personal and family protection, and currency transfer, delivered as one coordinated plan.
UK pension transfers from Malaysia
If you hold UK pension benefits, living in Malaysia raises the question of how best to manage them. A Self-Invested Personal Pension (SIPP) or a Qualifying Recognised Overseas Pension Scheme (QROPS) each involve trade-offs around tax, access, currency and regulation, and the right choice depends on your circumstances and likely future residence. We advise independently on whether a transfer suits you, and we will say when leaving a pension in place is the better option.
Tax planning for Malaysia-based expats
Malaysia operates broadly on a territorial basis, but your home-country obligations may continue, and MM2H residents in particular should plan with both jurisdictions in mind. We help you understand your exposure to UK Inheritance Tax and capital taxes based on domicile, structure investments appropriately for your situation, and plan ahead of any eventual move. We work alongside specialist tax counsel where it is needed.
Regulated advice in Malaysia
NEBA Private Clients Ltd is registered with the Labuan Financial Services Authority (LFSA). We are part of a group licensed across the UAE, Singapore, Malaysia, South Africa and the UK.
Frequently asked questions
Malaysia broadly taxes income on a territorial basis. Your obligations in your home country may continue depending on your domicile and residence, so cross-border planning matters, particularly for MM2H residents.
In many cases yes, through a SIPP or a QROPS, though suitability depends on your circumstances. We advise independently on whether a transfer is right for you.
Yes. NEBA Private Clients Ltd is registered with the Labuan Financial Services Authority, as part of a group licensed across five jurisdictions.
An expat adviser coordinates investments, pensions, tax and protection across the country you live in and the countries you remain connected to, so your financial life works as one plan.
