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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.

Home Country Medical Benefits Travel Insurance Guide

13 May 2025

Traveling abroad? Discover the critical gaps in your travel medical insurance that could leave you financially exposed. Our expert guide reveals how "home country medical benefits" clauses can unexpectedly terminate your coverage, even for conditions that began during your trip.

Learn essential strategies for handling overseas medical emergencies and explore how private international insurance plans offer superior protection without geographical restrictions. Don't wait for a medical crisis to discover these hidden limitations, prepare now with our comprehensive guide to seamless worldwide medical coverage for international travellers.

The Psychological Impact Of Prostate Cancer

29 April 2025

Imagine the psychological impact when a doctor informs you of a prostate cancer diagnosis. Just hearing the word can leave patients stunned, barely absorbing the rest of what the doctor says.

For many, cancer is synonymous with death. Though it may not be life-ending, it is almost always life-changing and can be financially crippling too.

Timing The Market Vs Time In The Market

15 April 2025

The relentless pursuit of perfect market timing has left countless investors with diminished returns and heightened anxiety, while history repeatedly demonstrates that patient, long-term market participation typically yields superior results.

Examining decades of market data reveals a compelling truth: the investor's greatest allies are not sophisticated timing techniques but rather disciplined consistency and the remarkable power of compound growth over time.

Retirement Planning With Healthy Life Expectancy In Mind

01 April 2025

Imagine spending decades carefully saving for retirement, only to discover your physical health won't allow you to enjoy those dream vacations and adventures you've been planning.

Understanding and planning around your Healthy Life Expectancy, not just how long you'll live, but how long you'll live well, could be the most crucial factor in creating a retirement that delivers on its promises.

5 most common mistakes expats make in selecting a medical insurance plan

24 March 2025

Moving abroad is exhilarating, but one wrong decision about your medical coverage could transform your expat dream into a financial nightmare.

Before you sign that temptingly affordable policy, discover the hidden pitfalls that have left countless expats facing devastating healthcare costs and insurance dead-ends.

International Portfolio Bonds For Offshore Investments

18 March 2025

International portfolio bond platforms deliver a comprehensive solution for expatriate investors by consolidating global investments into one centralised hub, eliminating cross-border complexities while providing tax advantages through deferred growth, top-slicing relief, and policy segmentation.

These versatile international portfolio bond structures accommodate diverse investments from ETFs to specialised funds, while offering the flexibility to transition seamlessly from growth-focused strategies to income generation as investors progress through different life stages—all within a single tax-efficient wrapper that adapts to the mobile international lifestyle.

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