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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.

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.

Learning From The MOVE Index

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.

When Boring Gets Interesting

15 October 2024

This article discusses the performance of defensive stocks compared to the global equity index since late 2021. Despite initial outperformance during market downturns, defensive stocks have underperformed by about 8% overall. This underperformance is attributed to rising interest rates and the dominance of AI-related stocks.

However, changing market conditions may favour defensive stocks in the future.

Chinese Economic Stimulus

08 October 2024

In a dramatic turn of events that caught global markets by surprise, Chinese equities have staged their most powerful rally since the 2008 financial crisis. This surge, triggered by Beijing's bold monetary stimulus package, has reignited investor interest in the world's second-largest economy.

Defining Investment Value

17 September 2024

What exactly is investment value? A Google search suggests a common theme - buying stocks that are trading below their true worth or appear underpriced on some form of fundamental basis, but is this definitive?

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