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Income insurance protects against loss of earnings from illness or an accident. Expats in Asia concerned about covering monthly expenses in the face of a debilitating medical condition should consider taking out income insurance in order to avoid a potentially catastrophic financial situation. The long-term interruption in the income of the main provider in a […]

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Multi-currency mortgages are property loans set up across different currencies. Also known as foreign currency mortgages, multi-currency mortgages differ in that they do not have to be set up across two or more currencies with portions of the loan being set apportioned to different denominations. Multi-currency mortgages are not only used when purchasing property across […]

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Inflation is the investor’s enemy and expats in Hong Kong looking to save and invest need to be aware of the role inflation can have on their financial health. The US has seen inflation averaging around 3.4% since the early 1900s. At first glance, 3.4% seems low and entirely manageable in the context of savings […]

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There is often confusion regarding Qualifying Non UK Pension Schemes (QNUPS) and Qualifying Recognised Overseas Pension Schemes (QROPS). QNUPS and QROPS are similar schemes and are very closely related. It is important to understand the differences to avoid additional confusion in the already complicated process of pension planning. While a QROPS can accept UK pension […]

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Asia has always attracted the more adventurous travellers and has also provided many opportunities for entrepreneurs from around the world. Asia’s expat entrepreneurs stretch back to the time of silk and spices; to an era when international trade in exotic goods offered the bold the opportunity to gain huge wealth. Today, audacious business people still […]

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Medical costs can be frighteningly high and are rising well above the headline inflation rates. This means that medical insurance for expats and their families is essential. There are many factors to consider when choosing medical insurance for expats in Asia. Our checklist offers some of the more important things to take into account: Geographic […]

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Financial advisers look after wealthy clients. They invest large sums of money and manage complicated investment portfolios. These gurus of the financial world make international share trades involving convoluted and complex trading and banking systems. This common misconception of the way financial advisers are perceived often prevents people from receiving good advice. Good financial advisers […]

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This is the second post in our two articles on how debt can affect your financial planning. Yesterday we focused on the dangers of bad debt and how it could derail your financial planning for the future. Today we look at why not all debt is a bad thing and how some forms of borrowing […]

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For most of us debt is an unavoidable fact of life; mortgage payments, outstanding credit card balances, student loan repayments and vehicle financing are all part of financial planning for the majority of household budgets. Most people consider debt to be a burden and of course all debt has to be repaid, but contrary to […]

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Going back to school after the long summer break is a time filled with excitement and trepidation for all children. It can also be a time of back to school financial stress for parents. School fees, new uniforms, sports kits, stationery, after-school clubs and activities; the list of things that need to be paid for […]

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There can be many reasons why people don’t save enough for a financially secure future. There simply might not be enough money left over at the end of the month or servicing debt may make it difficult to start saving. Many people have never developed a culture of saving and may not even really know […]

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