Archive by Author

Which is Better for You – Active or Passive Investing?

A passive armchair investor and an active day trader have two things in common. They both rely on making the right decision at the front end of their investment cycle; active decisions. So the question begs: is there actually such a thing as passive investing? In its simplest form a passive investment could be an [...]

The Intricacies of Self-Managed Investing

Many expats undertake self-managed investing and in doing so experience varying degrees of results. It would be easy to measure these as success or failure but investment decisions do not really result in success or failure – they are simply subject to consequences. One of the factors which has affected investors in recent years is [...]

When The Expat Shoestring Breaks

Asia is tantalizingly attractive and makes us elated and happy. The lifestyle soothes us and detracts from the realities of unexpected events. This can become a trap, leaving you – the expat – financially vulnerable and exposed. Many expats who come to live in Asia actually end up doing so on a shoestring. It may [...]

“For Your Own Good” Tax

The economics of living our everyday lives can be painfully cruel to most people, from a financial perspective. Yet we often fall victim, along with everyone else, to the realities that we do things because they are for our own good rather than actually making practical sense. I recently read that dentists actually do not [...]

A Different View of Property Investment

Property is generally seen as a very secure investment. But are you aware that property can be used in some enterprising ways to achieve multiple financial goals simultaneously, at little to no cost to you as the investor? It just takes a little ingenuity to make this happen. Very often expats see an investment in [...]

UK Budget and the Expat

The recently announced UK budget has raised a number of eyebrows. Initial responses are mixed, with perceived tax disadvantages and pension advantages, so what do the changes really mean for the expat? UK Budget: Taxation Taking the taxation side of things first, there are some changes in the UK budget which look bad but when [...]

Is FATCA Just For Fat Cats? US Expats Beware

We are on the cusp of the Foreign Account Tax Compliance Act (FATCA) implementation. If you are a US expat what does that mean for you? All institutions, on a global basis, are imminently going to be required to report any US citizen’s account where the value exceeds USD200,000 at year-end for non-resident expats. That [...]

Essential Insurance Planning

Hoping for the best is not the same as planning for the worst. Making provisions for eventualities that could happen to you personally is a very serious business. Some expats feel immune and above any situation which would create financial havoc in their lives, thinking ‘it will never happen to me’. Others, the smart ones, [...]

Insurance: Personal Protection You Should Have

Many expats sincerely believe that mishaps and accidents will never happen to them. It is only when an individual becomes the victim of a life changing event and witnesses the devastation it can cause that they realize and accept this actually happens to people – real people. With this in mind what emphasis should you [...]

A Different View of Property Investments

Property is a very popular long term investment. This is because many expats own their home in their country of origin as part of their ongoing life. Because of these experiences it gives investors a degree of comfort which is further helped by property’s visible and physical presence. What expats often overlook are the differences [...]