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CSM Expat Financial Planning's articles section provides essential financial guidance for expatriates, covering personal protection (life insurance, critical illness, medical coverage), global investments, market trends, and ESG factors to help expats make informed financial decisions.
Filed in: Economy |Investment
03 June 2025
For the first time in 100 years, America spends more servicing its debt than defending itself.
An 85-year analysis reveals US federal interest payments heading toward 4% of GDP by 2035 the highest in American history.
With debt service now exceeding defence spending for the first time in a century, historical patterns warn of serious implications for America's fiscal future and global power.
Filed in: Investment |Economy
04 March 2025
Trend following investment strategies have emerged as a powerful alternative to traditional portfolio construction, offering systematic approaches to capturing market momentum across various asset classes.
By applying mathematical models rather than emotional judgments, investors can potentially achieve superior risk-adjusted returns while maintaining strict discipline through both bull and bear market cycles.
Filed in: Investment |Economy
25 February 2025
Global conflicts and geopolitical tensions are reshaping the investment landscape in 2025, creating both significant risks and strategic opportunities for investors.
This article examines how ongoing instability in Europe and the Middle East impacts financial markets and offers practical guidance to build resilient portfolios in an increasingly uncertain world.
Filed in: Economy |Investment
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.
Filed in: Investment |Economy
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.
Filed in: Momentum |Investment |Pensions |Savings |Economy
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.