Brazil Residency By Investment 2025: What to Know about the Brazil VIPER Visa
Brazil offers a unique combination of opportunity and accessibility for investors and high-net-worth individuals. As of 2025, Brazil’s investor visa, formally known as the Visa de Residência Permanente por Investimento (VIPER) and informally known as the Brazil VIPER visa, is an active and viable pathway for non-citizens to obtain permanent residence in exchange for investing […]
Second Home vs Investment Property: Key Things to Know
Buying a second property is a major financial decision, and the reasons behind it can vary widely. Some people want a vacation retreat or a weekend getaway to enjoy with family. Others are looking for a reliable way to build wealth through rental income or long-term appreciation. If you are looking to invest as an […]
Portugal Golden Visa Updates: What You Need to Know in 2025
🌐 Ver en Español | Vedi in Italiano The Golden Visa played a central role in drawing thousands of new residents to Portugal, offering a convenient path towards acquiring EU residency rights for those with the means to pursue them. However, beginning in late 2023 and continuing through to 2025, the country initiated sweeping reforms […]
ESG Investing Strategies: How to Invest Responsibly from ESG Funds
ESG investing incorporates environmental, social, and governance factors into the investment process. While the concept is now widely adopted all over the globe, the ESG investing strategies vary significantly. If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (hello@adamfayed.com) or WhatsApp (+44-7393-450-837). […]
What is ESG Investing?
ESG stands for Environmental, Social, and Governance. ESG investing is the act of investing based on a set of non-financial criteria used to evaluate companies and investments based on how responsibly they operate. While ESG began as a niche interest among ethical investors, it has since evolved into a global movement backed by large institutions, […]
Are Offshore Accounts Legal in Canada? What You Need to Know
In Canada, it is entirely legal for individuals and businesses to maintain offshore accounts—provided they comply with all applicable reporting and tax obligations under Canadian law. If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (hello@adamfayed.com) or WhatsApp (+44-7393-450-837). This includes if […]
Investing Offshore from Canada
Canada offers investors a stable financial system, a strong legal framework, and a diversified economy. However, its capital markets represent only a small fraction of global economic activity. Investing offshore from Canada provides exposure to asset classes, currencies, industries, and jurisdictions that are unavailable or underrepresented domestically. If you are looking to invest as an […]
What is Portfolio Management?
Portfolio management is a central discipline in modern finance, referring to the strategic process of selecting and overseeing a collection of investments to achieve specific financial objectives. Whether managed by individuals or professionals, the goal of portfolio management is to balance risk and return according to a client’s investment horizon, income needs, and risk tolerance. […]
What Is Loss Aversion and Why It Matters in Personal Finance
Loss aversion is a cognitive bias in which individuals feel the pain of losses more strongly than the pleasure of equivalent gains. Understanding what is loss aversion can make you better understand how people make financial decisions, often leading them to behave in ways that are inconsistent with long-term financial goals. If you are looking […]
Is Insurance an Investment?
The question “Is insurance an investment?” is more common and prevalent among investors than it may initially seem. Especially among young professionals, expats, and first-time earners, insurance is often introduced as a product that can protect and grow wealth at the same time. If you are looking to invest as an expat or high-net-worth individual, […]
15 Countries Without Exit Tax in 2025
Exit taxes are levies imposed by certain governments on individuals who give up tax residency or citizenship. These taxes are typically applied to unrealized capital gains on worldwide assets and are intended to prevent individuals, especially high-net-worth individuals (HNWIs), from avoiding tax on accrued wealth by relocating to lower-tax jurisdictions. If you are looking to […]
10 Countries with Exit Taxes in 2025
Exit taxes are levies imposed on individuals who give up their tax residency or citizenship. These taxes typically apply to unrealized capital gains—the appreciation in value of assets such as stocks, businesses, or other investments—at the moment someone is no longer subject to a country’s tax jurisdiction. Rather than waiting until the assets are sold, […]
How Much Should Cost of Living Be?
Relocating to another country introduces a wide range of financial challenges, many of which revolve around one central question: How much will it cost to live there? For expatriates, accurately estimating and managing the cost of living is essential—not only to maintain financial stability but also to avoid lifestyle mismatches, unexpected expenses, and savings shortfalls. […]
Cost and Investment: Understanding Cost in Investment Decisions
In personal finance, people often use the words cost and investment interchangeably, yet they represent fundamentally different concepts with significant implications for financial decision-making. A cost typically refers to an expense incurred for immediate benefit, often consumed quickly and offering no lasting financial return. An investment, by contrast, is the allocation of resources, money or […]
Investment Strategies for 2025
The global economic landscape in 2025 presents a mixed outlook shaped by moderated growth, declining inflation, and shifting geopolitical and trade dynamics. As such, investment strategies for 2025 need to be adaptive. According to the International Monetary Fund (IMF), global GDP is expected to grow at 3.3% this year, below the 2000–2019 average of 3.7%, […]
What is Monetary Policy And Why Does it Matter to Investors?
Monetary policy refers to the set of actions taken by a central bank to manage the money supply, control interest rates, and influence overall economic activity. If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (hello@adamfayed.com) or WhatsApp (+44-7393-450-837). This includes if […]
What is Behavioral Finance?
Behavioral finance is a field that studies how human psychology and emotional biases influence financial decisions. While traditional finance assumes investors act logically and always seek to maximize returns, behavioral finance acknowledges that real-world decisions often deviate from pure logic. Investors may panic during market downturns, cling to losing assets, or follow the crowd during […]
What is Investment Management?
Investment management is a core function of the financial system, playing a central role in how individuals, institutions, and governments grow and protect wealth over time. If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (advice@adamfayed.com) or WhatsApp (+44-7393-450-837). This includes if […]
What are Financial Services?
Financial services are an essential component of modern economies, enabling individuals, businesses, and governments to manage money, access capital, protect against risk, and facilitate economic transactions. If you are looking to invest as an expat or high-net-worth individual, which is what I specialize in, you can email me (advice@adamfayed.com) or WhatsApp (+44-7393-450-837). This includes if […]
What is a Financial System?
A financial system is the structure through which money flows within an economy. It connects individuals, institutions, and governments, enabling them to save, invest, borrow, and transfer funds. While often associated with banking and stock markets, the financial system encompasses a wide range of institutions, instruments, and processes that work together to allocate financial resources […]
Basic Financial Terms Glossary: Financial Planning, Retirement, and Insurance
Managing your money for the long term isn’t just about saving—it’s about understanding the tools and strategies that protect your future. This glossary breaks down essential financial terms in financial planning, retirement, and insurance so you can make confident, informed decisions about building, preserving, and securing your financial wealth. If you are looking to invest […]
