- \n
- \u00bfC\u00f3mo puedo invertir algo de dinero mientras vivo en Grecia?<\/li>\n\n\n\n
- Is the UK an easy place to live?<\/li>\n\n\n\n
- Is it possible to live on a low budget in Tokyo, Japan?<\/li>\n\n\n\n
- Can you trust stock trading platforms?<\/li>\n\n\n\n
- If you buy numerous ETFs which are invested across loads of companies, potentially thousands globally, do you need bond ETFs as well?<\/li>\n<\/ul>\n\n\n\n
Es posible que algunos de los enlaces y v\u00eddeos que aparecen en las respuestas originales no se muestren aqu\u00ed y, si es as\u00ed, tendr\u00e1s que consultar las respuestas originales para verlos.<\/p>\n\n\n\n
Si quieres que responda a alguna pregunta en Quora o YouTube, o est\u00e1s buscando invertir, no dudes en p\u00f3ngase en contacto conmigo<\/a>, correo electr\u00f3nico (advice@adamfayed.com) o utiliza la funci\u00f3n de WhatsApp que aparece a continuaci\u00f3n.<\/p>\n\n\n\n
<\/div>\n\n\n\n\u00bfC\u00f3mo puedo invertir algo de dinero mientras vivo en Grecia?<\/strong><\/h2>\n\n\n\n
Fuente: Quora<\/a><\/p>\n\n\n\n
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Basically, if somebody is going to be living in Greece \u201cforever\u201d, or at least the EU, then there are many options.<\/p>\n\n\n\n
If you want to do-it-yourself invest, then countless firms such as Saxo can open up accounts.<\/p>\n\n\n\n
I am sure there are also plenty of good local companies as well.<\/p>\n\n\n\n
It is easy and straightforward. The only difficult thing is not the \u201chow-to\u201d, but how to do it productively.<\/p>\n\n\n\n
Most DIY investors make much less than the market due to emotional reasons:<\/p>\n\n\n\n
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What becomes more complex is if somebody has very specific needs.<\/p>\n\n\n\n
For instance, they are high-net-worth, an expat, or somebody who plans to convertirse en expatriado<\/a> in the future.<\/p>\n\n\n\n
In these cases, it makes sense to seek advice, and have portable accounts.<\/p>\n\n\n\n
In other words, the accounts don\u2019t close down if you move from country to country.<\/p>\n\n\n\n
Nutmeg became the latest company to close down accounts. <\/p>\n\n\n\n
I am sure they also \u201cditched\u201d Greek\u2019s who were born in the US too.<\/p>\n\n\n\n
I have also seen countless clients get into these issues when they have left the EU or even just the country of residence.<\/p>\n\n\n\n
The point is, as soon as your situation becomes complex, like you were born in the US or you will move overseas in the future, often the complexities require advice.<\/p>\n\n\n\n
In either case (DIY or advisor) the process is relatively similar and includes giving documents to verify your identity like proof of ID and address.<\/p>\n\n\n\n
Everything can be done online as well of course.<\/p>\n\n\n\n
<\/div>\n\n\n\nPeople say living in the UK is much more difficult and also expensive than other countries. Is this true?<\/strong><\/h2>\n\n\n\n
Fuente: Quora<\/a><\/p>\n\n\n\n
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It all depends on:<\/strong><\/p>\n\n\n\n
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- Where you live, as there are huge differences in cost of living in different parts of the country.<\/li>\n\n\n\n
- How much you earn<\/li>\n\n\n\n
- How you earn (employed vs self employed)<\/li>\n\n\n\n
- What you are comparing to too. Some countries are obviously cheaper, or lower tax.<\/li>\n<\/ul>\n\n\n\n
The UK, apart from London and some other places, isn\u2019t especially expensive compared to other developed countries these days, after the fall in the Pound Sterling.<\/p>\n\n\n\n
What is true about the UK, and Europe as a whole, is that taxes form a part of the cost of living.<\/p>\n\n\n\n
If you factor in indirect and direct taxes, the cost of living is high in the UK for many people.<\/p>\n\n\n\n
The average UK expat vivir en el extranjero<\/a> has much more disposable income, and ability to build up wealth, compared to somebody living locally in the UK.<\/p>\n\n\n\n
The reason is simple. If you live in a 0% income-tax country in the Middle East, like the UAE, or a low-tax country which doesn\u2019t tax most forms of overseas income such as Singapore or Hong Kong, you can save and invest more.<\/p>\n\n\n\n
That is assuming that are earning reasonably well, or very well. For average earners, the taxes in the UK aren\u2019t that bad.<\/p>\n\n\n\n
The biggest issue most people face in the UK, regardless of income, is disposable income.<\/p>\n\n\n\n
That is because the whole welfare state is designed, in theory at least, to tax heavily and then give back when we are old and need healthcare and a pension.<\/p>\n\n\n\n
For most people, after the rent\/mortgage, bills and taxes\/national insurance is taken out, they aren\u2019t left with that much.<\/p>\n\n\n\n
Even many high earners are like that, unless they are exceptionally high earners.<\/p>\n\n\n\n
The difference between a doctor living in London and a middle-income family in Derby is big in terms of gross income. The difference is quite small once you adjust for cost of living and taxes.<\/p>\n\n\n\n
However, the UK isn\u2019t difficult from an admin point of view, apart from the visa.<\/p>\n\n\n\n
I am from the UK, so I have never had to get a visa, but I have many friends who married overseas.<\/p>\n\n\n\n
Bringing people into the country is now difficult as it can involve:<\/strong><\/p>\n\n\n\n
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- English tests for the spouse<\/li>\n\n\n\n
- Loads of paperwork<\/li>\n\n\n\n
- Arbitrary decisions about whether to grant the via or not<\/li>\n<\/ul>\n\n\n\n
Once you are inside, it isn\u2019t a difficult place to live due to technology and good processes.<\/p>\n\n\n\n
For example, let\u2019s say you want to start a business in most countries. Typically it takes weeks.<\/p>\n\n\n\n
In the UK you can register on Companies House and get (some) banks within the same day.<\/p>\n\n\n\n
Even non-residents can get a TransferWise Borderless account + company within 24 hours, depending on the industry.<\/p>\n\n\n\n
I remember speaking to a Bulgarian guy who lived overseas, many years ago.<\/p>\n\n\n\n
He mentioned that when he opened up a business in the UK, he received information in Bulgarian, to make his life easier.<\/p>\n\n\n\n
He commented that he has never experienced such things in any other country he has lived in.<\/p>\n\n\n\n
He speaks English and yet the information was available to him in Bulgaria as well, provided by the local government.<\/p>\n\n\n\n
So, in some ways, the UK can be a pro-business country, and can make people\u2019s life easier.<\/p>\n\n\n\n
Cost of living, if you factor in taxes, can be high though.<\/p>\n\n\n\n
<\/div>\n\n\n\nIs it possible to budget on a low income living in Tokyo?<\/strong><\/h2>\n\n\n\n
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