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Blogs & News

Keeping you informed to keep you ahead

BLOGS & NEWS

Keeping you informed to keep you ahead

blog-reading

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.

Three filters are provided to enable you to quickly find the information you seek - "Categories" - "Tags" & "Archive"

By subscribing to "Market Scope" you will also receive notifications of new blog posts as they are added.

Click here to sign-up now - its free and packed with information and ideas as to how best plan your financial well being.

If you would like to ask questions or discuss any issues that relate to any blog post we will be happy to address these with you.

Regards

CSM Ltd - Expat Financial Planning Blog Team


Latest longevity figures pose retirement saving problem

Retirement without adequate income is not a happy place to be

Experts have warned of undersaving for retirement as the latest figures predict increasing numbers of newborns will live to 100 years old.

The Office for National Statistics (ONS) figures found life expectancy was projected to increase, albeit at a slower rate, with an extra 8.6m people aged above 65 in half a century’s time - a demographic shift expected to put increasing pressure on already struggling care provision.

According to the figures 22.6 per cent of newborn boys and 28.3 per cent of newborn girls will live to 100 years old.

The data found a 65 year-old could expect to spend around half of their remaining life expectancy in good health, but the amount of time spent in poor health will increase as life expectancy rises.

Police Officer 'didn't expect' colon cancer diagnosis at age 26

Aged just 26 Police Officer Shawn DePasquale is devastated with colon cancer diagnosis

Officer Shawn DePasquale was diagnosed with stage four colon cancer just weeks after joining the Rollinsford, New Hampshire police force.

At just 26-years-old Mr DePasquale said he “didn’t expect” to be handed a stage-four cancer diagnosis at his age, which reportedly came soon after starting a new job.

Rollinsford Officer Shawn DePasquale joined the department in December 2017 shortly before he unexpectedly learned he had colon cancer.

“I mean I'm 26, didn’t expect to come down with this,” DePasquale said. “You hear you have stage four cancer and immediately everything just fades out.”

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.

Learn the difference in medical insurance policy excess wording

There are fundamental differences between policy excess (deductible) policy wordings

Expat Medical Insurance policies will generally all have a policy excess (sometimes referred to as a policy deductible) applied in the event of a claim.

The type and wording of a policy excess will have a significant impact on how a claim is treated and the claim reimbursement that is made.

Learn the differences between a 'per annum' and a 'per claim' plan excess.

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

Estate planning for your digital assets

Digital assets are not nearly as easy to retrieve as physical assets

Further to an earlier blog post entitled 'Securing your digital assets' - another article , this time authored by the Drake University, takes the issue further.

What will happen to your Facebook account when you die?

What about all your photos shared on social media, your texts with loved ones, or documents on cloud-storage systems?

In just the two-year period from 2012 to 2014, humans produced more data than in all of human civilization before that – and the pace is only accelerating.

It’s not clear what people’s digital presences will look like in years to come, but it’s sure that an increasing number of people will be creating and accumulating growing reams of data until the day they die. But then what?

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Further resources

Market Indicator - insightful views on equity market trends.
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Our Blog - Commentary and updates on insurances - pensions - investments - taxation and many other expat related topics.