Expat Financial Planning
Expat Financial Planning

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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




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.

The results

Here are the results, showing the collective value of investments


Graphical explanation

This bar chart illustrates the risk of being worse off if you try to second-guess the market by buying and selling rather than remaining invested.

Seeking professional advice significantly improves your chances of remaining invested and enjoying the rewards – as many of our clients have done using our recommended DFM's (Discretionary Fund Managed portfolio services).

Time in the market, not timing the market

This shows that if you try to time the market and get it wrong you would be signi cantly worse off than if you stayed invested for the duration.

Fortunately, because we recommend investments that our clients understand and suit them, the majority have remained invested and enjoyed the rewards.

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
Market Scope - e-newsletter - don't miss out on important market events - subscribe now its Free
Our Blog - Commentary and updates on market events - insurances - pensions - investments - taxation and all other issues related to expat financial planning