Investing is an intricate art form that demands a delicate balance of knowledge, discipline, and emotional fortitude. While countless individuals venture into the realm of
As we enter the second quarter of 2024, it’s essential to reflect on the first quarter’s macroeconomic picture and the notable market movements. In this
Investing for retirement is a crucial aspect of financial planning. With so many options available, it’s important to be cautious and avoid potential pitfalls that
In the financial world, myths and misconceptions can colour perceptions and influence decisions, often to the detriment of wealth-building opportunities. One of the most pervasive
Finance’s complexity can be intimidating. As we learn more, we discover that true comprehension is simplicity. Financial decision-making can be complicated, but this article can
Expatriates, commonly known as expats, face unique challenges when it comes to investing. This comprehensive guide aims to demystify the world of expat investing by
Considering the risk, it is nearly impossible to outperform an index fund portfolio during your career. You’ve probably heard this a million times. However, it
In the intricate realm of personal finance, offshore portfolio bonds stand as a prominent investment tool, favoured by many for their potential tax benefits. However,
In the old days, people relied on folk wisdom and cultural tales to understand the world. One of the most enduring of these is the
Financial well-being is integral to our overall sense of happiness and security. The onset of a new year, 2024, brings with it an opportunity to
In the face of turbulent financial markets, economic uncertainty, and media forecasts of impending financial crises, retirement planning can seem like a daunting task. This
As a global citizen, managing your finances becomes a complex task. You might be earning in a new currency, facing unfamiliar tax laws, or dealing
Finance is a complex and intricate world, and often, we find ourselves in need of an expert to guide us through it. Financial advisors can
As an expat, you may be well aware of the complexities involved in managing finances in a foreign country. However, have you ever considered how
We often imagine that having a vast fortune would vanquish all our worries. Yet, an intriguing paradox exists among the wealthy: the fear of losing
A global economic downturn can present unique challenges to individuals planning to relocate to another country. From changes in currency exchange rates to fluctuations in
Embarking on the journey to financial security can be daunting, but with the right guidance, you can rest easy knowing your wealth is in good
In today’s dynamic investment landscape, seeking a balance in your portfolio is crucial for long-term financial stability. Fixed-income bonds offer a reliable way to achieve
Image Source: Pexels The journey to financial freedom begins and ends with effective cash flow management. There are fundamentally three things one can do with
Retirement planning is a crucial aspect of financial stability that everyone should prioritise, regardless of their age or career stage. Many people fall into the
Investing in the right financial instruments is crucial for planning a successful retirement. Two popular options to consider are exchange-traded funds (ETFs) and mutual funds.
FOMO is the fear of missing out. A common error that investors make is trying to time the markets. It stinks to miss the best
Your path to financial success should be as bright as a rainbow because you are a member of the LGBTQ+ community, which is thriving and
More and more individuals are seeking to achieve financial freedom, a state where they are free from debt and can sustain their lifestyle through their
Retirement is an important life milestone that many expats anticipate. However, the shift from work to retirement can present a number of difficulties, particularly in
In a world full of financial noise and scammers, you need to choose your financial advisor very carefully. In today’s complex financial landscape, it’s crucial
In today’s turbulent economic climate, it’s crucial to make smart investment decisions to navigate the uncertainties and protect your financial future. With multiple crises happening
Investing in dividend stocks is often considered a smart move for novice investors. These stocks are generally seen as safer investments compared to growth stocks
Investing is a strategic approach to growing your wealth and making a profit on your money. But what exactly is a return? A return is
Is debt considered to be bad? The situation is not as straightforward as it may seem. In this article, we will explore the concept of
Retirement brings about a significant shift in perspective, particularly when it comes to investing. While saving for retirement focuses on accumulating wealth and seeking returns,
Retirement planning is a crucial aspect of our lives, and as employees of multinational companies like Shell PLC, we have access to pension schemes that
In the world of finance, there are many misconceptions and myths surrounding the role of “financial salesmen”. These misconceptions often lead to misunderstandings and poor
Your pension is a crucial financial asset that requires careful consideration before making any decisions about transferring it. In this article, we will explore the
Investors are constantly on the lookout for lucrative opportunities in the ever-changing global market. While economic challenges may pose a barrier, there are still investment
Managing wealth as an expat can be overwhelming, with various financial considerations and unique challenges. That’s where Expat Wealth At Work comes in, providing stress-free
Are you unknowingly trapped in a risky financial product? Many unsuspecting expats have fallen victim to schemes that promise high returns but end up draining
Have you ever encountered a salesperson who seemed too good to be true? They asked all the right questions, listened attentively, and even remembered important
As we continue to witness advancements in healthcare and an overall increase in life expectancy, the need to plan for long retirements has become a
War and geopolitical turmoil can have a significant impact on global markets and investor sentiment. While the human toll of these events is immeasurable, many
In the world of investing, the desire to minimise risk is a top priority for many individuals. One effective tool that investors can add to
Retirement planning can be overwhelming, especially if you have diligently saved a significant nest egg. With so many options available to generate retirement income, it’s
Living abroad offers unique opportunities and challenges, especially when it comes to managing your finances and investments. To make the most of your wealth while
Investing is a crucial aspect of financial planning, and it is essential to make smart decisions to maximise returns. While the stock market tends to
Putting your money to work for you through investments can be a great way to build wealth, but it is important to be wary of
Living and working overseas can be an exciting and rewarding experience. However, as an expatriate, you may face unique financial challenges, particularly when it comes
Financial services, an industry that wields immense power and influence over people’s lives, has its fair share of unethical practises. As the saying goes, “There are
When it comes to seeking financial advice, many people find it difficult to take that leap. The idea of entrusting your financial future to someone
Since many of our clients are located outside of their home country, we felt it would be prudent to suggest that you look into offshore
We could probably retire early if we had a euro for every time someone in finance used the term “U-shaped” to describe retirement spending. You’ve
One of the most important aspects of investing that we always discuss with clients is their attitude towards risk. It is a crucial factor that
Sad anecdotes about expats losing substantial amounts of money to dishonest “financial advisers” who lacked integrity, education, experience, and ethics have surfaced over the years.
When you think about financial security, what comes to mind? Attempt long-term investing, password-protecting your online accounts, and diversifying your holdings. Those are useful; however,
With all the low-cost investment opportunities and automated portfolio management software available today, you may be wondering if a financial advisor is still necessary. You
The path to a secure and happy retirement is paved with tough financial choices. To achieve a happy retirement, it is essential to avoid making
Someone may have already tried to offer you an offshore portfolio bond as a vehicle for saving for retirement if you are a British expat
Where would you put your priorities if you had to pick between time and cash? Some people will immediately say “money.” The obvious explanation for
As we approach our 35th year in the financial services industry this coming winter, we feel it is time to start documenting the wisdom we
As financial planners, we get to know many different families and share in their joys and sorrows, as well as their major life events. One
Looking for expert guidance in personal finance? Learn how to choose the best financial planner and the benefits of working with one in this blog post.
Retirement planning should not be put off until your final working years. The sooner you begin, the more comfortable and joyful your retirement will be.
We provide frequent talks for a group of interested expats to illustrate the value of an independent financial consultant. The world of offshore financial services is
Discover the secret to selecting an exceptional financial consultant amidst a sea of options. Discover the 11 compelling reasons why Expat Wealth At Work is the unrivaled
When it comes to protecting the people you care about, nothing is more important than making plans. While it may not be the first thing
Offering a free, impartial review of your current investment portfolio, we present our Portfolio Review service. What exactly is a portfolio review? This will give
COMMISSIONS BROKER VS. PERFORMANCE FEE- ONLY CONSULTANT: WHAT ARE THE DIFFERENCES? WHY DOES IT MATTER TO YOU AS AN EXPAT? Performance Fee-Only Consultants are licensed professionals
Multimillionaires tend to remain anonymous. A couple of them are part of our professional lives. They are just what one would expect them to be:
The decision to retire is a major turning point that ushers in an exciting new phase of life. It evokes a range of feelings, from
More than half of people are worried about making ends meet. 77% are worried about their financial future. Even if these figures are exaggerated, many
How come intelligent people are frequently mistaken? They don’t follow our advice and make use of a checklist to ensure that they have all the
How much are you really losing in investment fees, and what does that mean for your future? Experience global exposure at a fraction of the
If you’re moving to a new country to work or retire, you’ve heard warnings about the less desirable areas you should avoid. Where you’re most
When will the next economic downturn happen, if ever? That is one of the most frequently asked questions we receive after more than a year
Given the situation of the global economy, it may be difficult to amass more wealth now. Inflation might cause people’s wealth to decrease. When the
The largest financial commitments you’ll ever make are to your pension and your home loan. But which should you prioritize in difficult circumstances like the
Everyone needs to plan for their retirement at some point. Planning for a secure retirement is essential, but it becomes even more so when people
Can a downturn be fought with investments? Several major forces are converging currently to shape the economic environment. Inflation, or the gradual but steady rise
Helping our expat clients make the best decisions for their money is an essential part of our job as senior financial consultants in our full-service
Real estate is a popular topic of conversation. Most Belgians will never possess something more valuable than their home. It also carries the most sentimental
There are many bankers who prey on expats. Some will cold call you at work, while others you may run across at a party or
At first glance, investing in bonds might seem straightforward. When you purchase a bond that a company, municipality, or the federal government has issued, you
The support of our long-time website visitors is invaluable, and we would appreciate hearing from them. Since we began posting our investing ideas on our
If you haven’t gone bankrupt before, you’re probably not taking enough risks in the investment world, as the saying goes. Filing for bankruptcy is a
Investing is a great way to save money, build wealth, and prepare for the future in ways that consider your lifestyle abroad, retirement goals, annual
In the past ten years, prominent technology companies have held a significant presence in the index. The technology sector comprises more than 26% of the
There is a lot of financial jargon to decipher when looking for a financial advisor to help you navigate the world of personal finance. Among
To help you embark on the path to financial security and happiness, we’ve compiled a list of eight crucial questions to ponder while making your
It’s only human to seek financial stability when making long-term plans. Finally, you’ve proven that you’re just like everyone else. You want to know that
The prosperous life you imagine for yourself, and your loved ones requires a solid financial foundation. This list below is your road map. It will help and
When it comes to entrusting your financial consultant with managing your finances, securing your future, and safeguarding the well-being of you and your loved ones,
Empowering you to make wise financial decisions. Today’s expat investors have the exciting opportunity to explore a wide range of products and services. With such
Oh, we totally comprehend! Your “trusted advisor” probably seemed more like a smooth-talking angel when he convinced you to jump on board with an offshore
It is feasible to handle your portfolio and financial worries as a DIY investor without the assistance of a financial professional. When you’re young and
Gold is often considered a haven, providing protection against inflation, market crashes, social disorder, and the potential collapse of a major currency. In our view,
Portfolio assessments on a regular basis are crucial to the profitability of your investments, especially after the volatility in the stock, bond, and currency markets.
If we told you there was a way to retire in style without having to worry about money, would you be interested? This is appealing,
When it comes to most things in our personal lives, it’s as rare as finding a unicorn wearing a tuxedo that “one size fits all”.
Being a digital nomad can be a beautiful way to live; for many, it is a dream come true to travel the world and make
Expat Wealth Management: Where to Start? It’s like trying to find a needle in a haystack! But fear not, for we will shed some light
It is impossible to determine the ideal portfolio for the upcoming three decades. But with the facts that are readily available, we now understand what
Cash flow management may ensure you are taking advantage of any opportunities to make your money go farther. It might be difficult to see where
To be a successful investor, you must be willing to admit your mistakes. That, we believe, is the single most significant barrier to success. It
For the better part of our blogs, we have been on the defensive, sharing our ideas on how expat investors should approach the market. After
For Expatriates in the UAE, building and safeguarding wealth can be a daunting task. Navigating the complexities of cross-border financial planning and wealth management requires
We are here to help with Financial Planning, whether you need a second opinion on how to organize your investments or a Certified Pension Planner
Life insurance is an important component of any financial strategy, and we recommend it to most of our expatriate clients. However, because people’s lives change,
Money isn’t a dress rehearsal. As an expat, your financial choices might affect your fortune. Finding a trusted financial consultant to make smarter decisions is
Investors can diversify their investments by laddering fixed-income bonds of different maturities. Investors lend money to the issuer for a specified length of time in
Pensions are vital, and retirement planning is an important aspect of financial planning. Making sure you have enough savings and assets in your pension fund
Only 2% of all advisers are real financial consultants who only work with a performance fee. The other 98% are brokerage consultancies – the ones
Many salespeople learn to ask great questions. They listen. Like a master salesperson, they might learn your birthday and your children’s birthdays. They might send
It’s been some time now since we have complained about long-term thinking. Every time we see “quarterly results,” we get uncomfortable with short-term thinking, which
Most expats probably need financial advice at some point in their lives; especially when you are going through a major life event such as having
It’s only natural that more of us are thinking about protecting our health. This may be particularly true if you live abroad and are unfamiliar
This website is not a solicitation to invest, nor is it tax, legal, financial or investment advice. We only deal with investors who are expatriates or (ultra-)high-net-worth/self-certified individuals on a non-solicitation basis. Not for the retail market.
The services, funds, and products described on this website are not available in all countries or to all investors. As such, this website, and the information on it are not addressed to any person resident in a territory, country or jurisdiction where such distribution would be contrary to local law or regulation.
Users from the United Kingdom and the European Union
This website is only for professional investors (as defined by the Alternative Investment Fund Managers Directive (2011/61/EU) or “Professional Investors”); professional clients or eligible counterparties (as defined by the Markets in Financial Instruments Directive (Directive 2014/65/EU) or “Eligible Counterparties”); or people who are otherwise defined by local laws and are directed to whom this website is directed.
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Clients’ money is invested via Luxembourg-based MiFID II and/or Isle of Man Financial Services Authority regulated entities in UCITS funds, which are considered very safe due to the stringent regulatory framework, transparency, and investor protection standards that are hallmarks of UCITS funds.
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