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5 reasons you might need life insurance

5 reasons you might need life insurance

Life insurance can be one of those investments that you never get round to exploring. Many people underestimate just how important and valuable a life insurance policy can be. The problem is exasperated by the very human tendency to avoid talking or even thinking about death. If you’re wondering if it’s worth the money, here …

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Property as a bridge to retirement

Property as a bridge to retirement

The property versus pension debate has been raging for decades, with investors around the world having strong feelings over which retirement funding solution is best. Although the war often makes for interesting conversation, it doesn’t have to be an either/or situation. You don’t have to pick a side and stick to it. Instead, a multi-asset …

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How to make a Will as an expat

How to make a Will as an expat

Wills for expats can be tricky and there is no one-size-fits all solution. The law in your country of residence may not apply to you and your estate, so what happens after death will depend on where you die. For example, if you die in England but have property or assets in France then French …

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How you can pass money down to the next generation

How you can pass money down to the next generation

There was once a time when inheritance tax was mostly paid by the very wealthy. But thanks to rising house prices and investments that have had decades to compound, even those who earn a modest income may be taxed on their estate when they pass away.  Many people assume that inheritance tax can completely obliterate …

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Has your current adviser ever asked you these 7 essential questions?

Has your current adviser ever asked you these 7 essential questions?

Questions asked by your current adviser can provide real insight into how they work. Most financial advisers concentrate on selling you a product to fix a ‘problem’ rather than tackling proper financial planning that focuses on the most important thing – you. Most people value a service that relates to their goals and dreams. They …

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Crypto Markets Vs Traditional Markets: Can We Compare?

Crypto Markets Vs Traditional Markets: Can We Compare?

With the current rise (and fall) of Cryptocurrencies and the heightened interest that is steadily sweeping amongst seasoned investors and novices alike, we thought we would compare some key differences when it comes to traditional financial markets and crypto markets. When considering investing, you cannot approach cryptocurrencies as you would with traditional forms of investment. …

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The Lifetime Allowance – will your pension be affected?

The Lifetime Allowance – will your pension be affected?

For those that are not already familiar with the lifetime allowance (LTA), it is the threshold the UK government has set for the total value of funds you can hold in all of your private and/or works pensions. How much is the lifetime allowance? As it stands, the current LTA is GBP 1,073,100. Any amount …

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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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Calculating your retirement fund

Calculating your retirement fund

Calculating exactly how much money you will need for retirement can feel like a daunting task. But, planning retirement, especially as an expat, is a key part of sound financial planning. Working, or living internationally, has wonderful benefits, but it can complicate retirement and inheritance planning somewhat. Ensure you know where you will be a …

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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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