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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: Investment
22 July 2025
After years of struggling against concentrated mega-cap dominance, active fund managers are finally seeing the market breadth they need to outperform.
With over 50% of stocks now beating the MSCI World, up from just 30-35% in recent years, 2025 may mark the long-awaited comeback of skilled stock selection and professional portfolio management.
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 |Savings
21 May 2025
Why 'Market Noise' is costing you money!
This article contrasts long-term investing with short-term trading, explaining how daily market noise derails wealth building. While traders necessarily respond to market movements, investors who react to headlines and price swings typically achieve poorer results through emotional decisions, higher costs, and lost opportunities.
The article provides practical methods to maintain investment discipline, including scheduled portfolio reviews, information filtering, and proper benchmarking - ultimately showing that patience isn't just virtuous but essential for investment success.
Filed in: Momentum |Investment |Pensions |Savings |TAM
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.
Filed in: Investment
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.
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.