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Expat financial planning blogs & news

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.

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CSM Ltd - Expat Financial Planning Blog Team


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!

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.

TAM Market Insight - Message From The Chairman
tam-logo

TAM Asset Management Chairman Lester Petch shares his current thinking on the markets

"The time has come", the Walrus said, "To talk of many things: Of shoes - and ships - and sealing wax - Of cabbages - and kings - And why the sea is boiling hot - And whether pigs have wings."
The Walrus and the Carpenter, Lewis Carroll

Not wanting to compare my age frame to that of a walrus, I nonetheless do think the time has come “to talk of many things", so here are some core facts and issues I think worthy of note:

Markets continue to make headway and have had an almost unprecedented bull run since April 2009 when TAM wrote its note, “The Green Shoots of Recovery”.
The headlines continue to suggest fear and problems in the political arena (i.e. Mr Trump and Mrs May).
Somewhat extended (but not disastrously so) equity valuations, particularly in the US.
Low, and as yet to be normalised, interest rates in Europe and the UK, although the US is trying.
Low global inflation, but which is picking up.
Brexit - for the UK it’s what, how, when and even who?
The possibility of an early Italian election with anti EU, populist parties competing, neck and neck in the polls with centralist parties.
China – good, bad or just plain ugly?

Neil Woodford View On The UK Economy

"The UK economy is more unbalanced today than ever before" - Neil Woodford

All the talk of rebalancing the UK economy that we heard from policymakers in the immediate aftermath of the financial crisis unfortunately, has led to nothing.

The UK economy is more unbalanced today than ever before.

We had a recent meeting with Darren Winder of the Lazarus Partnership – Darren has been a very valuable input into our investment process for many years and his extensive knowledge and database on the UK economy is pretty much unsurpassed.

We covered a lot of ground during the meeting, but some charts really stood out. Here we provide a few of them, which we believe provide strong evidence of the continued imbalances within the UK economy and the unsustainable nature of recent economic growth.

Japan - Rise & Shine

Japan - Rise & Shine

Japan Rise & Shine

Over the years, one has learned to be a little wary of putting out bullish investment notes on Japan. The financial writing landscape is littered with the graves of bull notes written by those who thought this time was different. Headlines such as “The sun also rises” were often penned at the end of impressive stock market rallies but on the eve of a major sell off.

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