UK Property Investment
05/06/2023
"Knowledge, Transparency and Simplicity"
Stress Free Wealth Management for Expats with Performance Fee
Performance Fee-Only Financial Consultant. We choose the greatest investments for you because we only get paid based on their performance.
Our Process
Life first, investing second. How do we build an inspiring plan for you?
Latest News
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A Typical Ex Pat Client
We aim to be the leading alternative choice for expats looking for an intelligent approach to their finances, that want a proven academic approach to investing their money and that puts them at the centre of their finances, not advisor profit.
What our clients say
Guido & Tommy
Married for 6 years
"One review of our investments saved us a lot of money. The hidden costs we didn't know about have been explained, removed and replaced with much better options. Immediately felt good!"
Bruno
Recently widowed
"My new consultant explains everything clearly, provides regular updates and I just get the excellent service I was hoping for. I would definitely recommend using this service. A real added value compared to many other players in the expat market."
Key Figures
Happy Clients
Assets Under Management
Average Annual Investment Growth
Our Latest News
Offshore bonds and long-term savings plans are provided by some major firms in the Isle of Man, Guernsey, Dublin, the Cayman Islands, Mauritius, etc. These insurers pay the financial salesmen's commissions. The commissions come straight out of clients' (=your!) money. This is reminiscent of the once-common practise of paying salespeople in the UK,...
Money isn't a dress rehearsal. As an expat, your financial choices might affect your fortune. Finding a trusted financial consultant to make smarter decisions is difficult. Because anyone may call themselves a "financial advisor" in the expat financial services market. Insurance agents, bank clerks, and real estate agents use it.
Investing requires patience and time. The best family stewards frequently work for decades to achieve their financial objectives but investing may be difficult, frustrating, and occasionally frightening.
Why Are We So Attached to Money?
29/05/2023
If we learned anything about money, we were told that it was through spreadsheets and calculators. It must be logical and sensible. But then we go to check our credit card bill with our spouse or partner, and we start arguing.
9,300. According to a quick LinkedIn search, that is how many professionals in the United Arab Emirates identify themselves a "financial advisor." But what exactly does the term "financial advisor" mean?
If you've heard this one before, please stop us: US senators are at odds over raising the federal debt ceiling through legislation. The situation has been simmering for months, but it might boil over this summer when the US Treasury runs out of money to pay its debts. The decision to raise the nation's debt limit is usually simple, except...
Investors can diversify their investments by laddering fixed-income bonds of different maturities. Investors lend money to the issuer for a specified length of time in exchange for quarterly, semi-annual, or annual interest payments at a set rate. Laddering bonds reduces interest rate risk and liquidity risk for many investors.
Fundamentals of our Investment Philosophy
24/05/2023
Philosophy can be relatively simple, despite the intimidating and complicated seeming name. In fact, it may be so straightforward that it may be encapsulated in a single word. The sum of years of experience and knowledge in comprehending the nuances of markets and human behaviour is our investment philosophy.
Retirement planning is more vital than ever, but it is also more difficult. With recent high inflation rates, most seniors are concerned about outliving their savings. This risk is extremely real and must be carefully considered in order to have a pleasant retirement.
Ensure that assets are invested in the best possible way, avoiding unpleasant surprises in the future.
Boost Your Pension Before Retirement
22/05/2023
Pensions are vital, and retirement planning is an important aspect of financial planning. Making sure you have enough savings and assets in your pension fund is one of the most important measures to ensuring a good retirement.
An inheritance is a significant monetary gift. However, it is frequently unexpected, and some people may fail to capitalise on their newfound fortune.
How’s Your Retirement Plan?
16/05/2023
Financial security in retirement is a major concern for many of us. That's because retirees must factor in not only the loss of a steady paycheck, but also the expenditures associated with passing on assets and maintaining a high standard of living. Many of us would like to set aside some of our money for more luxurious pursuits. To realise...
In what has been dubbed a "meme stock frenzy," the online finance community took the world by storm.
If you purchase any product (offshore savings plan/portfolio bond) or investment fund through a 'financial salesman,' you will be charged commissions, which will undoubtedly skew the 'advice' you receive. Financial product providers in the Isle of Man, Guernsey, Dublin, Mauritius, Cayman Islands, Bermuda, and other jurisdictions pay the financial...
Who is better: humans or AI?
13/05/2023
It is common for people to have the misconception that financial consultants exclusively provide assistance to extremely rich individuals and their families; however, this is not the case. Most of the time, they help families who require assistance in planning for retirement, saving for the college expenses of their children, purchasing a home, and...
Performance Fee-Only Advisor vs. Commissions Broker: What does it mean to you as an Expat?
11/05/2023
Performance Fee-Only Advisors are licensed specialists who assist expat investors with their financial goals and objectives, whereas commission-based brokers are not always controlled by the authorities. Although they may appear to be on the outside looking in, performance fee-only advisors and commission brokers play very different roles and...
Financial Consultant: Artist or a Scientist?
11/05/2023
As a financial consultant for the past 29 years, we have witnessed our fair share of challenging markets alongside our clients. Despite how unpleasant these times are, they are a normal part of market cycles. We have gone through the longest and one of the strongest historically bull market cycles since the Great Recession of 2008–2009. Given that...
Is the dollar in danger?
05/05/2023
You may hear that the dollar is nearing its end as the world reserve currency and that recent events (the threat in the divided US Congress not to raise the federal debt ceiling, the US seizing assets of Russian oligarchs without due process) contribute to that end. Other options have been proposed, such as bitcoin, the euro or the Chinese...
Rebuilding Trust in Expat Financial Services
03/05/2023
The expat financial services industry is improving but it remains haunted by past misdeeds which are still raw in the minds of victims of bad advice. Financial advisers in Asia, the Middle East and beyond have still the worst reputation while they are lambasted as the least trusted. Why is that?
The socio-economic environment for consumers has evolved considerably in recent years. Individuals are increasingly becoming (jointly) responsible for their personal financial well-being (e.g., health care and pension provision), while financial products and the financial landscape are becoming increasingly complex. These social trends not only...
Avoid being stung by a financial salesman
24/04/2023
Moving abroad is a dream, there are millions living and working in another country than their home country but there is a sober side to relocating, especially for those retiring in the sun – how to keep your hard-earned money safe!
Are you working with a FEE-ONLY Advisor?
23/04/2023
Investing your money is one of the best decisions you can make for your future, and here at Expat Beleggen, we are big advocates of getting the experts to handle your investments and pension.
Ensuring your savings last during retirement
20/04/2023
Retirement is a stage of life that many people look forward to, envisioning a time of relaxation, travel, or pursuing long-held passions.
The international expatriate advice market is currently going through a period of major changes. For example, there are market-disrupting consultants such as Expat Beleggen who have left the good old days of commissions far behind and only work with a performance fee.
Only 2% of all advisers are real financial consultants who only work with a performance fee. The other 98% are brokerage consultancies - the ones you hear about often.
Trusted Advisor or pathological liar?
11/04/2023
Many salespeople learn to ask great questions. They listen. Like a master salesperson, they might learn your birthday and your children's birthdays. They might send gifts, take you out for dinner, or pay for rounds of golf with a charismatic smile. Some salespeople are psychopaths with a lot of traits. Five of these traits include superficial...
Investment decisions are often not black and white. The path you take with your money may not be as clear and you may end up regretting the decisions you made.
