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Expat Financial Planning Solutions

Providing Clarity For Investors Since 1985

Expat Financial Planning Blogs


Our financial planning blogs are designed exclusively for expats

Our blog site is designed exclusively to inform on issues that relate to and impact expatriates around the globe.We cover a wealth of topics that include insurances - pensions - investments - estate planning and tax - all designed to keep you informed and up to date.

Three filters are provided to enable you to quickly find the information you seek - "Categories" - "Tags" & "Archive"

By subscribing to "Market Scope" you will also receive notifications of new blog posts as they are added.

Click here to sign-up now - its free and packed with information and ideas as to how best plan your financial well being.

If you would like to ask questions or discuss any issues that relate to any blog post we will be happy to address these with you.


CSM Ltd - Expat Financial Planning Blog Team

Blog Archive




Is there life in the old frog yet ?

Is there life in the old frog yet ?

February was certainly one of the worst months for stock markets since 2008.

A profound inflation scare led to US equity markets plummeting over 12% in just two weeks before rebounding strongly.

The drama is not over and we remain firmly in the grips of these wild swings with markets falling again during the final days of the month.

Are we heading for another recession or simply a period of heightened market volatility?

What is the value of remaining invested ?

A declining bourse need not be a signal to 'jump ship'

So much news and information is broadcast every day on financial markets and investments that it can make you feel as though it’s never the right time to invest, or remain invested.

Intrinsic carried out a useful statistical comparison that delivered clear results The comparison took data from investors using Intrinsic’s most popular diversified fund over a period that included significant market fluctuations and negative media coverage.

It shows the returns for investors who stayed invested throughout compared to the returns for investors who felt they should sell and missed out on the best month, five best months and ten best months

Will this market volatility sort the 'Wheat from the Chaff'?

Global equity markets have fallen and volatility has spiked. TAM ask if this will this sort the 'Wheat from the Chaff'?

For nine years we have enjoyed a steady, if not rampant, Bull market.

The disaster of 2008 seems long gone...and it is.

For almost six years now, it has been a story of almost unquenched, steady growth in financial assets and benign volatility.

Many investors have been lulled into an almost catatonic state of assuming consistent and steady gains, month after month.

Indeed, with equity markets constantly setting new highs with little or no drawdowns it is understandable why. But, as we all know, there is no such thing and markets will always be at the vagaries of buyers and sellers. The real world has returned...investment is simply not that easy!

Empty homes tax - a new budjet blow for landlords

Landlords face fresh blow with empty homes tax

Property investors face another hit from the Budget as empty homes could be hit by a 100 per cent council tax premium.

The move, announced by chancellor of the exchequer Philip Hammond during the 22 November 2017 Budget, has been described as "crippling" for buy-to-let investors.

Today Mr Hammond gave local councils the ability to increase the council tax premium on empty homes from 50 per cent to 100 per cent.

Passive Versus Active Investment Management

Passive versus Active Investment.
The game may have changed but the rules remain the same.

The four most expensive words in the English dictionary are ‘this time it’s different” was once famously quoted by Sir John Templeton.

Whilst poignant quotes are ten-a-penny, this particular quote by the founder of Templeton investments struck home, namely because we are now well into one of the longest and ‘most hated’ bull markets on record, as some like to call it.

The more time TAM sit at meetings discussing the trajectory of the world’s capital markets, the more we hear the phrase, “Well this time it’s different!” read our thoughts on this unprecedented environment.

Uncovering the opportunities in emerging market debt

Emerging Markets have performed well but is following the herd the right thing to do ?

You won’t find our investment strategy full to the brim with exotic risk and elaborate overweights, particularly in this environment.

Learn in this article why TAM Asset Management hold these views as seasoned discretionary fund managers.

ReDev Properties announce unconditional sale of Daly Grove Centre

Another successful ReDev Plaza project sold in 2017

TORONTO, Aug. 23, 2017 /CNW/ – Richard Crenian, President of ReDev Properties Ltd., is pleased to announce the unconditional agreement to sell Daly Grove Centre located at 4205-4259 23rd Avenue, Edmonton, Alberta, Canada. CBRE, Edmonton was engaged as the broker for the vendor.

UK Housing Market Headed For Crash Experts Warn

Experts Warn Of UK Housing Crash

The UK housing market could face a crash to rival the one that buckled the economy in the early 1990s, experts have warned.

Despite a 1.1 per cent growth in the housing market during June, experts are concerned that the prospects are less than clement, with some predicting a particularly gloomy future for homeowners.

Professor Paul Cheshire of the London School of Economics, has said: “The current house price ratio is unaffordable. Wages are failing to keep up with inflation and the housing market is overheated.

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Further resources

Market Indicator - Momentum fund management provide insightful views on their belief of market direction
Video Updates - Watch and listen to our Discretionary Fund Manager (DFM) partner videos. The videos provide an insight to the managers thoughts and feelings in respect of market events alongside specific details on portfolio performance
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Our Blog - Commentary and updates on market events - insurances - pensions - investments - taxation and all other issues related to expat financial planning