±JOIN OUR NEWSLETTER

Get expat health and financial news, interesting expat articles, social media recommendations and more in your inbox each month - free!



We respect your privacy - we don't spam and you can unsubscribe at any time.

±Compare Expat Providers

Expat Health Insurance Quotes

Foreign Currency Exchange Quotes

International Moving Quotes

We're very social! Follow Expat Focus on Facebook, Twitter, Pinterest and Google+

Expat Focus Facebook PageExpat Focus on TwitterExpat Focus Pinterest PageExpat Focus Google+ Page

Notify me when new content is added about a country

±Expat Focus Partners

±Financial Advice / Services

Expert advice from professionals you can trust

Articles

Articles > Financial

Financial

How UK Pensions Can be Transferred Abroad

Posted on Friday December 23, 2011 (18:38:07)
by Muzammil Bashir
www.pensioncalculator.org


When a UK citizen decides to move abroad, he or she has the choice to either continue holding a personal pension fund that is based in the UK, or to transfer the balance to a pension fund in the new country of residence. The latter choice gives more flexibility in terms of investments. If the former choice is made, however, the party will be required to use the bulk of it to purchase an annuity (use an annuity calculator to calculate your annuity) when retirement time comes.

Contacting the appropriate pension provider is the initial step in transferring the pension abroad. Caution should be exercised, however, because the tax benefits are not likely to be greater in another country, and the administration of UK pension funds tends to be better also, so it is important to investigate these issues ahead of time.   more ...

Articles > Financial

Financial

Taking cover abroad

Posted on Friday December 23, 2011 (18:35:52)
David Howell
by David Howell, CEO at Guardian Wealth Management

Regular review of all insurance policies held by non-domiciles living or working in Qatar is essential to ensure they provide the cover required.

In particular, anyone who has recently become or is thinking of becoming an expatriate, should re-evaluate all their existing insurance policies to ensure the terms match their needs and that there are no exclusion clauses that could affect the validity of the policy.   more ...

Articles > Financial

Financial

Expat Investing in a Low Interest Rate World

Posted on Friday December 23, 2011 (18:33:49)
Tom Zachystal
by Expat Focus investment partner, Tom Zachystal

On August 9th Ben Bernanke, Chairman of the US Federal Reserve, made an unprecedented announcement (I guess by now we should be used to unprecedented announcements from the Fed). He announced that the Fed would keep US target interest rates low for two years. Never before has the Fed committed to a time-span for its interest rate policy.

Many investors were disappointed that the Fed didn’t announce a further economic stimulus measure but in fact the actual announcement is much more useful because it helps bring certainty to what has become a very uncertain investment market.   more ...

Articles > Financial

Financial

The Euro in Wonderland

Posted on Friday December 23, 2011 (18:29:16)
Des Cooney
by Des Cooney Ph.D.

Director of Axis Financial Consultants based in Paris, France


Consider a currency that begins with the letter E……

For over a year now it seems like the Euro has fallen down the rabbit-hole. Politicians in Brussels appear to move from one surreal chain of events to another. One minute everything is upside down, and the next we are all back on our feet again. At the moment all eyes have been diverted to the plight of the US Dollar; however the troubles for the Euro are destined to return.

Whose dream is it anyway?

To fully understand the problems faced, it is necessary to examine the compendium of the Eurozone, which outlines the various events that have taken place since its inception.   more ...

Articles > Financial

Financial

Expat pension funds and currency exposure

Posted on Friday December 23, 2011 (18:25:59)
Des Cooney
by Des Cooney Ph.D.

Director of Axis Financial Consultants based in Paris, France


"Before you build your edifice, be sure of the ground beneath your feet."

The geographical distribution of assets such as equities, bonds and property has taken a more global path in recent years as pension funds seek to spread their risk. As a result, the currency exposure of assets under management has become an increasingly important factor in the investment equation.   more ...

Articles > Financial

Financial

Buying Off-Plan: An Expat Checklist

Posted on Friday December 23, 2011 (18:20:53)
Ivan Doherty
by Ivan Doherty, Chief Operating Officer & Investment Advisor, IFG Asia

Buying real estate in any country can often be time consuming and nerve wracking. If you are based in the country of purchase this can make it a lot easier, but cross-border purchases can be fraught with difficulties.

Most expats, because of their location, often find it easier and more convenient to buy-off plan property rather than second-hand property, the main reason being that it is often packaged and easy to transact the deal. In addition, with new property, in many countries, building guarantees are often included which reduce risk and the ongoing maintenance costs that may be associated with older properties. If you are living 4,000 miles away, you don’t need the headaches!   more ...

Articles > Financial

Financial

Managing Currency Risk Part 2: Practical Guide to Building a Globally Diversified, Multi-currency Investment Portfolio

Posted on Friday December 23, 2011 (18:14:00)
David Kuenzi
by David Kuenzi, CFP®, Thun Financial Advisors

Introduction

Currency issues are often one of the most vexing and least well understood issues for investors. This is especially true for Americans abroad whose salaries and other income sources are often denominated in currencies other than U.S. Dollars (USD). The good news is that understanding how to properly incorporate currency considerations into a sound, long-term investment strategy is much easier than commonly understood. In part 1 of this two part series, we discussed principles of sound currency management in investing. In this part 2 below, we provide a practical guide on how and where investors can go to construct a globally diversified, multi-currency investment portfolio.   more ...

Articles > Financial

Financial

International Mortgages – Better than ever and easier than you think?

Posted on Friday December 23, 2011 (18:10:44)
Stephen Burdett
by Stephen Burdett Cert PFS DipFA, MBL Financial

With global interest rates at an all time low and international real estate prices at rock bottom, has there ever been a better time to buy a property? There is a common misconception that as an expat living overseas, it can be almost impossible to get a mortgage, especially in the current economic climate. The reality is that the opposite is the case. Several major UK banks have international subsidiaries providing the internationally mobile expat with a range of services, including mortgages for an investment property or a holiday home overseas.

Available in a range of currencies and for properties in most developed countries, including Australia, New Zealand, the USA, Canada, Hong Kong, Dubai, the UK and Europe, mortgages are being offered at rates from as low as 1.69%.   more ...

Articles > Financial

Financial

The Importance of Writing a Will for Expats

Posted on Friday December 23, 2011 (18:08:48)
Ivan Doherty
by Ivan Doherty, Chief Operating Officer & Investment Advisor, IFG Asia

There are many things that expats need to consider when assessing the overall framework of their financial planning – bank accounts, pensions, life cover, medical insurance – but the one that is most often ignored is writing a Will. After many years of giving financial planning advice, my simple explanation is that nobody wants to think about ‘the end’, let alone put it in writing.

Dying intestate (without a Will) whilst living in a foreign country can be particularly time consuming and troublesome for family members who have to sort it out, indeed the legal costs and paperwork can mount up very quickly indeed. The process can run into years, not months!   more ...

Articles > Financial

Financial

Managing Currency Risk Part 1: Principles of Sound Currency Management

Posted on Friday December 23, 2011 (18:05:44)
David Kuenzi
by David Kuenzi, CFP®, Thun Financial Advisors

Introduction

Currency issues are often one of the most vexing and least well understood issues for investors. This is especially true for Americans abroad whose salaries and other income sources are often denominated in currencies other than U.S. Dollars (USD). The good news is that understanding how to properly incorporate currency considerations into a sound, long-term investment strategy is much easier than commonly understood. In this note (part 1 of a two part series) we pull back the opaque veil of “currency risk” that clouds investment and financial planning decisions for Americans abroad. We sketch a few, easy to understand principles that all investors can use to guide choices around currency denomination of savings and investment.   more ...


Expat Health Insurance Partners


Aetna International

Our award-winning expatriate business provides health benefits to more than 650,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world. We want to be the global leader in delivering world-class health solutions, making quality health care more accessible and empowering people to live healthier lives.

Bupa Global

At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.

Cigna International

Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.