Will the stock market crash soon?
You have got to love the human mind. Despite all the evidence to the contrary, so many people believe we can predict the future. I often think to myself, if there is life outside of earth and they are looking down on us, they must think we are idiots for making the same mistakes over […]
How to Invest for Retirement at age 65?
In the Centre for Retirement Research at Boston College, Alicia H. Munnell, Anthony Webb, and Wenliang Hou looked at how much people should save for retirement . The paper is available here – https://crr.bc.edu/wp-content/uploads/2014/07/IB_14-111.pdf Before speaking about the finding I would say two things. Firstly, retirement at 65 is outdated. It is possible to retire […]
Retirement 4 Percent Rule
What’s the 4% percent rule in retirement
American Expats Financial Planning and Tax: 7 Top mistakes
Please contact me at adamfayed@iamgltd.com if you have any questions about this article or questions in general. Financial planning has become more complicated for Americans since 2014, and the FACTA laws. Below are some of the key mistakes made by American expats living overseas: 1). Procrastinating. This isn’t just an issue for Americans. Trying […]
DIY Investing and Platforms for Beginners: Does it Work?
DIY investing; does it work?
30 Best Investing Books for Beginners and Intermediate Learners
What are the best investing books you should read in 2020?
Can we predict future returns from the past?
Can we forecast future returns from past results? The short answer is we can’t. But there is a rational reason why equity markets outperform long-term. The S&P, Dow Jones and Nasdaq, as an example. is just the biggest stocks in America. The biggest firms though, change over time. There is a survival of the fittest […]
Property vs Stocks: Why Property Outperformance is a Complete Lie
Property vs Stocks
Financial Planning and Pensions for Expat Teachers
Last time I spoke about the needs of oil and gas workers. Teachers overseas are in a similar position in some ways but in a different situation in other words. The following points were made about oil workers but also applies to education: 1. Health Insurance Your employer should provide this. However, almost all insurers […]
Financial Planning and Pensions for Expat Oil Workers
If you have any questions about the above, my contact details are adamfayed@iamgltd.com Oil and gas is one of the biggest expat sectors in the Middle and Far East, and beyond. Quite a large amount of expats in this sector, from my experience, have complex financial and insurance needs which in some cases are specific […]
Stock Picking vs Index Funds: Is Stock Picking Ever Rational?
Please contact me at advice@adamfayed.com if you have any questions about this article or questions in general. Consider something for a moment. If you stock pick (individual stocks) rather than buying funds, you have an 80%+ chance of not beating the market over a 5 year period. That goes down to about 98%+ over a 40 […]
Why the wealthy spend less on luxury: the 70/30 rule in finance
Why the wealthy spend less on luxury: the 70/30 rule in finance
Generali Vision Review: Charges and Problems
Generali Vision was perhaps the most commonly sold savings plan in the expat market, until a few years ago. But is the plan worth taking out, and what should somebody do who has the plan? The plan is a regular contribution plan, which can be taken out for as little as 5 years, with 25-30 […]
Life Insurance for Expats in Thailand, Singapore, UAE and beyond. How much life Insurance do you really need?
We all know that anybody can die at anytime, and if you have a dependent, you will want them to be looked after if tragedy strikes. Even if you don’t currently have children, you might in the future, or might have an elderly parent. So how much life insurance do you really need? A good, […]
Asset Allocation Strategy
Let us consider, for a moment, some facts. 1). There are many different asset classes such as property, bonds, commodities and equities. 2). Some of these asset classes are liquid and some are illiquid. 3). Nobody can, for certain, predict the movements of financial markets despite the fact that markets have historically risen over time. […]
Stocks vs Real Estate: 10 reasons not to invest in real estate
During my time working in the investment industry, I have heard a lot of misconceptions about various financial instruments. However, some of the biggest misconceptions are about property. There are good reasons to own property, especially one family home which isn’t leveraged through mortgage payments, but this blog will focus on some reasons why not […]
`Guaranteed Returns` in mutual funds
During my time working overseas advising expats, many funds promising guaranteed returns, often with excellent track records, have collapsed. LM, an investment which was based in Australian, collapsed last year. The fund, which was regulated in one of the most regulated financial centers in the world, had a great track record and was based on […]