By Chad Creveling, CFA, & Peggy Creveling, CFA | When volatility picks up, here are some tips to keep from panicking and to help you stay on track and stick with your long-term investment strategy.
By Chad Creveling, CFA, & Peggy Creveling, CFA | To help Americans living overseas with filing their 2021 U.S. taxes, here is an updated checklist of some of the various tax forms that may be needed.
By Chad Creveling, CFA, & Peggy Creveling, CFA | One of the most important steps in getting control of your finances is to draw up an initial financial plan. This includes a starting point, a set of long-term goals, and intermediate short-term goals to help you reach your destination.
By Chad Creveling, CFA, & Peggy Creveling, CFA | No one financial institution is a perfect fit for all expatriates. To help you narrow the choices and find the best custodian for your unique circumstances, ask these five questions.
By Chad Creveling, CFA, & Peggy Creveling, CFA | As the year-end holidays approach, have a look through our annual list of good books from 2021.
You have to take more risk to get a higher return on your investment, or so the saying goes. The saying has its roots in the basic principles of modern portfolio theory and refers to the idea that investors should be willing to accept more short-term market volatility (risk) in order to receive a chance at a higher long-term investment return. Conversely, investors should accept lower long-term expected returns on their investments if they’re not...
By Peggy Creveling, CFA, and Chad Creveling, CFA Regular portfolio reviews are critical to investment success, especially after big moves in the equity, fixed income, and currency markets that can occur from time to time. Unfortunately, many expats never get around to reviewing their portfolios or if they do, don’t approach the process in an organized way that will get results over time. This is not about trying to time the markets or picking the...
By Chad Creveling, CFA and Peggy Creveling, CFA We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. - Anonymous saying The above often-repeated saying can be applied to many areas of life. When it comes to investing, we frequently see people overestimate what they can achieve in any given year and underestimate what they can achieve in the long term...
If you've already resolved to save more, then you're in luck: There's no better time than now to get serious about saving for your future. We've come up with the following five steps that can be followed by expatriates and their families alike. Many of us may have made the resolution to save more, and for good reason. Statistics show that most people don't save enough, and this may be especially the case for expatriates...
By Peggy Creveling, CFA, and Chad Creveling, CFA You're enjoying the change in scenery in a new country and wonder if it's time to take the plunge and purchase property while you're living overseas. Owning overseas property can be a rewarding experience, but it can also have a major impact on your finances. We've put together a list of some areas to consider: 1. How Long Will You Live There? Expatriates tend to lead transient...
By Peggy Creveling, CFA, and Chad Creveling, CFA Choosing a cross-border or offshore financial advisor carefully is as important as choosing a doctor or lawyer. You'll want to find someone who is competent and trustworthy and who works in your best interest. To help you find the financial advisor who may be right for you (as well as to protect you from those who could do harm), we've put together some characteristics to look for...
By Chad Creveling, CFA, and Peggy Creveling, CFA Which investment would you rather own? An investment in the market that has earned an average annual return of 6% for the past five years but has just plummeted by 20%. Or An equivalent investment in a property, 80% funded by a 30-year, 4% fixed-rate mortgage, which after five years is worth 20% more than you paid for it. If you’re like most people, you'd choose the...