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Understanding risk

Understanding risk

When it comes to investing, risk and reward go hand in hand. Therefore, before making an investment, it’s important to know how much risk you are willing to take. You need to know your risk tolerance. What is risk tolerance? Risk tolerance is simply the amount of risk an investor is comfortable in taking; it’s …

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What is your financial number?

What is your financial number?

In the financial world, when someone asks, “what’s your number?”, it’s likely they are not trying to fix a date with you. Rather, they want to know your financial independence number. A financial independence number tells you when you’re free from the need to work.  However, working out your personal financial independence number is more …

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Monthly financial checklist

Monthly financial checklist

When it comes to keeping on top of your financial situation and all associated tasks, it can easily feel overwhelming. However, if you break it down month-by-month and focus on one thing at a time it’s less daunting and more manageable. Think of it like a financial checklist.  January: review your net worth and asset …

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Looking towards 2021 and the major forces at play

Looking towards 2021 and the major forces at play

Joe Biden is the US President-elect, Brexit is happening and a COVID vaccine is on the cards. The end of 2020 is looking very different to the first half of the year. In our latest client webinar, I spoke to Joe Palmer about his view on the big events of 2020 and how they may …

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Why you can’t transfer your UK State Pension abroad

Why you can’t transfer your UK State Pension abroad

As an expat, you cannot transfer your State Pension overseas. However, it is possible within many of the countries that have a dual pension treaty with the UK to transfer your eligible years to allow for a combined total. This can be really useful when trying to achieve a certain amount of years in order …

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Emergency funds – why they matter now more than ever!

Emergency funds – why they matter now more than ever!

Coronavirus has already had a far-reaching economic impact with many expats having contracts terminated sooner than expected. However, even if you are in a stable role, an emergency fund is always vital to financial security. An emergency fund is a stash of money set aside as a financial safety net. It is also one of …

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Top way to secure your financial future

Top way to secure your financial future

Perhaps you’ve just started your life as an expat, or you may have been living and working abroad for years. Regardless of where you are on your journey we are confident that the tips below will help you take a few extra steps towards securing your financial future. Expenses review Before deciding how much you …

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Why it’s important to know and track your net worth

Why it’s important to know and track your net worth

An increasingly popular way to understand how financially healthy you are is to know your net worth because it is easy to track and compare year-on-year. Net worth, when reviewed, will also give you a clear idea of whether you are spending too much, how much you have in savings and whether you’re putting enough …

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How to retire with €1 million in savings by saving €850 a month

How to retire with €1 million in savings by saving €850 a month

The idea of becoming a millionaire may seem daunting. However, €1 million or more is what most 25-year-olds today may need to retire comfortably. How can you achieve that? In simple terms, if you invest €850 a month from the age of 25, and your money grows at an average rate of 4% a year …

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Recent changes at United Advisers Group

Recent changes at United Advisers Group

Like all professional service providers, financial advisers have faced challenges amid the coronavirus pandemic such as working remotely on a full-time basis. In-person meetings have become a thing of the past. Since local lockdowns forced us to temporarily close our offices in Luxembourg, Madrid, Palma and Geneva, we have relied solely on email, phone and …

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