I really don't understand why such a big fuss is made about tax savings. After all, don't you believe that our own country needs tax to have a healthy economy? If every individial thinks of ways to escape tax, we would simply e dragging ourselves to destruction in the long run!! And I don't see any point in people articulating things - All you would be saving at the end of the day would be a very minimal amount. You would realise all your money after 50 years when you would never want money!! - all what you get is loads of headaches. The best policy is for the government to put in a policy to deduct tax at source everywhere across the country!! Pay your 30% tax and be happy....