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Keeping you informed

The articles section on CSM Expat Financial Planning's website offers comprehensive coverage on topics pertinent to expatriates and their financial planning needs.

The blog features detailed insights on personal financial protection, including life assurance, critical illness, and medical insurance. Investment-related content addresses global economic issues, investment trends, ESG factors, and the state of financial markets. The primary aim of these articles is to keep expatriates informed, enabling them to make well-informed financial planning decisions.

Brain injuries, chronic conditions and medical insurance

23 January 2025

In a heart-stopping moment that mirrored a traumatic event from seven years prior, a family's world was once again turned upside down by a sudden and devastating brain injury.

What began as a routine breakfast quickly transformed into a medical emergency, with the wife experiencing a complete loss of memory and awareness, her eyes wide with confusion and fear. This harrowing experience became a powerful testament to the critical importance of proactive medical insurance planning.

Can US equity valuations be justified?

17 December 2024

The above chart provides a comprehensive snapshot of US stock market valuations, examining how current stock prices relate to company earnings across different market sectors.

At first glance, stocks appear expensive, trading at 19.1x earnings (meaning investors are paying $19.10 for every $1 of company earnings).

However, this number tells a more nuanced story than simply being an indicator of overvaluation.

Navigating Life After A Cancer Diagnosis

06 December 2024

The world stops the moment you hear those words. "You have cancer." Those three syllables slice through your reality like a surgical blade, instantly fragmenting everything you thought you knew about your life, your future, and yourself.

A cancer diagnosis transforms life in an instant, shattering existing narratives and challenging one's deepest understanding of vulnerability, mortality, and human resilience.

This is a client journey of confronting the unexpected, where personal strength emerges from life's most profound challenges.

The Price Of Patience

21 November 2024

The chart highlights a fundamental principle of long-term investing: valuation matters.

Over short periods, market returns are influenced by a multitude of factors, including economic cycles, interest rates, and investor sentiment. As a result, the starting P/E ratio has minimal impact on one-year returns, making short-term performance difficult to predict and often unrelated to valuation.

Learning From The MOVE Index

29 October 2024

The MOVE index measures the implied volatility in the US Treasury market, capturing market expectations of future price movements in US Treasuries based on the pricing of one-month Treasury options - learn why this is important.

When Boring Gets Interesting

15 October 2024

This article discusses the performance of defensive stocks compared to the global equity index since late 2021. Despite initial outperformance during market downturns, defensive stocks have underperformed by about 8% overall. This underperformance is attributed to rising interest rates and the dominance of AI-related stocks.

However, changing market conditions may favour defensive stocks in the future.

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