Spotlight on Expat Living – Kuwait


Oh, and you will have 4 months holidays. Every year.” Welcome to your new job…

True, Kuwait does not have the westernised culture of Dubai, the ostentatious wealth of Qatar or perhaps the rugged beauty of Oman, but therein lies its special attraction.

Because of its perceived lack of ‘distractions’ from work, your target market of English-speaking expatriates is paid significantly more per head than in neighbouring countries. And earned income in Kuwait is tax free.

Furthermore, there are no utilities bills in Kuwait, therefore beyond paying for your rent, petrol at 13 pence per litre, food and telephone, all earned income is disposable. A typical expatriate teacher could have £1000- £2000 spare disposable income each month. The typical oil worker could have up to 5 or 6 times that amount.

Not surprisingly, Kuwait attracts the sort of expatriates that are focused on generating and retaining money. They also want advice on how to invest it and grow it. This contrasts greatly with many of those moving to the UAE or Qatar, where lifestyle, life experience or spending are key considerations.

Within the expat financial services market in Kuwait competition is low while receptiveness to professional advice is high, and this ensures that for a good quality adviser closing rates with clients of 80%+ are not unreasonable.

Kuwait is a dry country in terms of alcohol prohibition which fosters a frontier mentality amongst the expatriate community. This lends itself to an extremely vibrant social scene which in turn creates perfect opportunities for regular networking.

Although Arabic is the first language in Kuwait, most of the country speaks English. The Arabic culture promotes family values, making it an extremely comfortable place to live with young children. All restaurants welcome children and it is very easy and affordable to employ home help.

Kuwait is very well located and well served by airlines making travelling around the Gulf, or East Asia, easy and affordable.

Oh, and due to the harsh summers it is customary for expatriate employees to enjoy long summer vacations away from Kuwait. So you could end up working just 8 or 9 months a year and then travelling home (or around the world) for 3 or 4 months every year!

However, the shortened working year will not impact your earnings – those 8 to 9 months of productive employment often surpasses twelve months earnings in neighbouring countries., is recruiting for experienced financial advisors now. For opportunities in Kuwait, click here or e-mail us at

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