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Will the stock market crash soon?

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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?

1 million enough to retire

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  Firstly, retirement at 65 is outdated.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 […]

American Expats Financial Planning and Tax: 7 Top mistakes

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 […]

Can we predict future returns from the past?

can we predict the future

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 […]

Financial Planning and Pensions for Expat Teachers

pension for expat teacher

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

pension for an oil worker

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?

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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 […]

Generali Vision Review: Charges and Problems

providence life review

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 […]

Asset Allocation Strategy

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

10 reasons not 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

guaranteed return

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 […]

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