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How cost averaging works in market peaks and troughs

How cost averaging works in market peaks and troughs

It’s not uncommon for people to think they should pull their investments when markets are falling amidst a crisis like a global health pandemic. When markets react, we react. The problem with that, however, is that you make the mistake of selling when prices are low and buying at higher prices when markets inevitably rebound. …

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Investment decisions in uncertain times

Investment decisions in uncertain times

It’s perfectly normal to feel twitchy during volatile times and uncertain about your investment decisions. We understand equity market volatility occurring as a result of events such as global pandemics is a concern for many, certainly as it relates to investments. Short-term volatility is a characteristic of investing. Share prices rise and fall but markets …

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The ‘Truth’ about saving for retirement

The ‘Truth’ about saving for retirement

Regardless of whether you’re nearing retirement or just starting to plan for your future, knowing how much you will need to retire comfortably can be challenging. There are various factors to consider such as your ideal retirement age and what exactly a comfortable retirement means to you. Does it involve travelling the world, staying in …

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Craig Gardner promoted to Financial Planner in Madrid

Craig Gardner promoted to Financial Planner in Madrid

We are pleased to announce that, after four years with United Advisers Group, Craig has been promoted to Financial Planner. Over the past year, he has joined Director David Cooper in launching our new Lifestyle Financial Planning service which is designed for those living or working internationally. Craig is now our financial planning specialist in …

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Fifty shades of green: the reality of impact investing

Fifty shades of green: the reality of impact investing

We know that investment decisions can have an impact on our society and the environment, but it’s not always easy to know whether we are investing in companies that are recognised as having a high negative social and/or environmental impact. So, how do we make socially responsible investment decisions? How do we make a positive …

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Keeping a level head – coronavirus and stock markets

Keeping a level head – coronavirus and stock markets

Stock markets have reacted sharply to the spread of coronavirus to countries outside of mainland China. Given the current crisis looks set to continue for the foreseeable future, investors should brace for more volatility in the stock markets. However, we urge you to remain calm and not to allow fear to govern your investment decisions. …

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Swiss P3 Pension FAQs

Swiss P3 Pension FAQs

Choosing the right Pillar 3 pension, or indeed getting to grips with the complexities of the Swiss Pillar pension system, can seem daunting. To help, we’ve pulled together questions we are asked about Pillar 3. We hope this helps you understand the key elements and considerations within the system but if your question isn’t answered, …

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Interesting Christmas traditions around the World

Interesting Christmas traditions around the World

As an expat you’re probably relatively familiar with the need to embrace new cultures and traditions when you move to a different country, but do you keep with your own traditions at Christmas, adopt the customs of your host culture, or merge the two?  What comes to mind when you think of Christmas? Is it …

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No changes to Pillar 3a allowance for 2020

No changes to Pillar 3a allowance for 2020

The maximum contribution you will be able to make into your Swiss Pillar 3a pension in 2020 is CHF 6,826. The allowance, for next year, remains unchanged from the 2019 value. There are two maximum fund amount limits applicable for the Pillar 3a: Employees can fund their Pillar 3a to a capped amount of CHF …

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Banking options for expats in Switzerland

Banking options for expats in Switzerland

If you’ve recently moved to Switzerland, you’ll probably want to open a Swiss bank account.  Initially, the Swiss banking system can feel confusing and overwhelming. However, there are also commonalities with day-to-day global banking practices. We will help you navigate your way through a banking system that is historically synonymous with protecting customer identity, assets …

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