STORM DEVASTATION – COULD IT HAPPEN HERE?

Houston, Texas, 2.00am. I was awoken by a thunderous beating of rain and wind against the house. I got up to see a deluge of almost horizontal rain lit up by lightning that was so frequent that it resembled a strobe light. But you couldn’t hear any thunder as it was drowned out by the […]

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ALL EXPATS LIKELY TO BE AFFECTED BY CRS

As little as a year ago no-one would have thought this possible but it is now a fact that most countries in the world have agreed to the automatic exchange of tax and financial information on individuals. The global agreement that has brought it about is known as the Common Reporting Standard (CRS). Its purpose […]

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TIME, NOT TIMING, IS WHAT MATTERS

A ten-year bet made by legendary investor and one of the richest men in the world, Warren Buffet, comes to a conclusion at the end of this year. The wager has been hosted by Longbets, an organisation set up as ‘a way to foster better long-term thinking’. The bet was that an investment in the S&P 500 index […]

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WILL THE RULE OF 72 WIPE OUT YOUR SAVINGS?

  A quick answer to this question is possibly yes – unless you do something about it! In the case of some of the long-time British expatriates in Bali living on a frozen  UK state pension the answer is that the rule of 72 has already wiped out most of their hard-earned pension and for them there is […]

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WHICH ASSET WILL PRODUCE THE BEST RETURN?

In the last article we looked at emerging market equities. In 2009 this asset class produced a return of 78.5%, way above all other asset classes. But in 2008 and 2011 it produced the biggest losses! So what are the alternatives and which asset class should we be looking at for the best returns? Here are the […]

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TIME TO PILE INTO EMERGING MARKETS?

In the search for good investment returns emerging markets are often in the limelight. For those not too familiar with the terms perhaps I should start with a few definitions: Developed Markets: these include markets that have been active for a very long time, in some cases over a century. They are generally considered to […]

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PLANNING FOR FINANCIAL DISRUPTION

Technological disruption is a term that has only recently crept into our vocabulary although the phenomenon has been around for centuries. Perhaps the invention of the wheel was one of the earliest examples. Its efficiency must have displaced thousands of labourers who previously would have struggled to carry objects from A to B. In modern times we are […]

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COPING WITH COMPLIANCE

Remember the days when you could easily open and operate a bank            account? Or when you might be offereda cup of tea and a chat with the manager? Or when you could easily start a savings plan with a big  international life company and make withdrawals or cash it in with ease? Not anymore. The financial world has become […]

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INVESTING – STAYING SAFE IN AN UNSAFE WORLD

Following Donald Trump’s surprise and controversial election as the 45th President of the United States 2017 could prove to be a year of great opportunity – or a year when we might wish we had taken cover. Everyone has an opinion, butno-one knows yet how things will really pan out. This presents a dilemma for investors. […]

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HOW CHARGES CAN DAMAGE YOUR INVESTMENT RETURNS

Have you ever wondered when stock markets appear to be riding high why your own investments are not keeping pace with them or when they are falling why your investments are falling even faster? The reason could be that you are not in the right asset classes at that point in time. If you have […]

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