Yep, can't do much with that level of local Chinese salary outside the PRC. But I could use my offshore savings to bolster my lifestyle. However, I choose not to. Even got a letter from the fund manager asking me to withdraw monies with very minimal financial penalties at this time coz the MVA = MARKET VALUE ADJUSTMENT is much lower these days than it used to be. I'm told the fund has grown by more than 30% since its lowest value during the financial crisis. Even so, I'll continue living off my teaching salary for a year or two. No problem - I dislike touring in any case, always have! When I withdraw monies after that, the MVA won't apply at all, due to the longevity of my investment.