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Our blog and news site informs and discusses issues that impact your financial well being as an expatriate.

We cover a multitude of topics that include insurances - pensions - investments - estate planning and tax.

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Active fund management is dead - Long live active fund management

Surprising revelations to note for the passive investment community

Hard evidence and facts as presented by TAM Asset Management reveal that passive index investing has cost investors massively over the years despite low fees.

Conversely active fund management has demonstrably proven to be far more profitable over time despite slightly higher fees.

These revelations may move passive investors to re-think their strategies.

For those accustomed to discretionary fund management the article will serve to re-affirm the belief and commitment to this style of investment.

UK introduces new tax penalties for overseas investors dodging tax liabilities

The "Requirement To Correct" (RTC) legislation came into force on September 30 2018

Britain’s so-called “requirement to correct” (RTC) legislation came into force on 30 September 2018.

The new law requires taxpayers to declare any foreign assets that could affect their UK income tax, capital gains tax or inheritance tax.

Investors who notified HMRC (Her Majesty’s Revenue and Customs) before the deadline were granted 90 days to disclose any offshore assets and pay the relevant tax due.

Australia, Switzerland and Singapore are among the countries that have signed up to let tax authorities share information internationally.

Any individuals who have paid the incorrect amount of tax on overseas income in previous years must have corrected their tax returns by the deadline, or the potential fine will double to 200% of tax owed.

Lessons From The Beautiful Game

An interesting analogy between football & investment management

The 2018 World Cup kicked off and is expected to be one of the most watched sporting events in the world.

What is unexpected are the results and performances of some of the top teams; four of the top five pre-tournament favourites failed to win their first match and continue to perform unconvincingly so far.

It may not be immediately obvious, but the role of a football manager offers a topical analogy for the skills required and challenges faced by an investment manager.

Bitcoin - valid investment or criminally insane ?

Bitcoin - one of the many digital currencies

Bitcoin is the world’s most popular digital currency. having drawn millions of investors across the world, its value rocketed to nearly us$20,000 at the end of 2017, although its value has since dropped dramatically to c.$7,000 (at the time of writing in April 2018). 

Bitcoin is the best known of the 1,800-odd cryptocurrencies.

Its meteoric rise has drawn many investors, with some believing that the underlying blockchain technology (blockchain is a digital ledger in which transactions made in cryptocurrencies are recorded chronologically and publicly) could become one of the most powerful tools ever given to civilisation. But do investors understand the risks and does the underlying technology even matter ?

The following article written by Michel Perera CIO of CGWM outlines their views.

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.

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