Expat Investing: 5 Ugly Truths Revealed

When you’re living and working abroad, wherever it is in the world, you are likely to be targeted at some point by an Independent Financial Adviser (IFA), who wants to help you make the extra income you are probably getting with your expat post “work harder” for you by recommending a suitable investment vehicle. For the most part, investing money for the future is a good thing and can be …

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No Nonsense Guide To Finance #2

No Nonsense Guide To Finance

For the newbie investor, the language used by finance people can be bewildering and quite intimidating at times, but the concepts behind the “foreign language” are usually fairly simple – at least, most of the time, anyway! My No Nonsense Guide To Finance series of posts aims to simplify a lot of the terminology you are likely to encounter if you enter the world of financial planning and investing. Being …

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7 Things To Do Before You Start Investing

Sometimes the easiest way to understand something is to look at a diagram or picture. In finance, we’re often presented with graphs and flow charts to illustrate concepts and outcomes and these visuals can often tell the story much quicker than a sea of text. In financial planning, there is a concept or approach known as the Financial Planning Pyramid, which is designed to help clients to visualise the financial …

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Seven Deadly Sins of Investing

The Seven Deadly Sins of Investing

I have seen a few financial articles over the last year or so entitled “The Seven Deadly Sins of Investing”. Some I thought were pretty good and others kind of just okay.  I’m certainly no expert on Dante and I have never read Chaucer’s “Canterbury Tales”, but I did love the film “Seven”. I remember it was always written “Se7en” stylistically and after that, a few more of these kind …

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How To Survive A Stock Market Crash

How To Survive A Stock Market Crash

Or: How To Stay Focused On The Long-Term Plan. Last year saw all-time highs for many of the major stock indices: the Dow Jones Industrial Average (DJIA) rose 25%, the S&P 500 Index gained 19%, the NASDAQ grew 28% and the FTSE 100 added 21%. Everything’s been looking rosy – up until Friday. Then the Dow slips a couple of percent and the media are all over it in their …

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10 Easy Ways To Reduce Investment Risk

Investments always come with some risk, but there are certain things within your control that you can do to reduce your chances of walking into a disaster. In the offshore financial services industry, expatriates are often exposed to broad spectrum of potential pitfalls, ranging from well-intentioned-but-poor advice to blatant mis-selling to outright scams. Based on what I have experienced in the industry over the past decade, here are 10 things …

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Is Your Investment Portfolio Actually Any Good?

If you’re a long-term investor using a financial adviser/wealth manager to help you build your portfolio, you probably understand the basics of asset allocation, but if you don’t or that’s where the extent of your knowledge concerning your portfolio ends, you’re not in an uncommon position. After all, that is why you have an adviser, right? The fact is, loads of people invest with advisers and put their faith in …

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