Investing in a crisis

Posted on 28th April 2020 in Financial Advice

Investing in a crisis Although there has been much talk about a global pandemic in recent years, the question is no longer “What if?”, but “Now what?” The past few weeks have been, without doubt, unprecedented in modern financial history. The speed of the decline in global markets last month caught even the most experienced […]

What is the Pension Protection Fund (PPF)?

Posted on 29th April 2019 in Pensions

A Brief History of the Pension Protection Fund The Pension Protection Fund (PPF) was founded as part of the Pensions Act in 2004 and officially ‘opened’ in 2005. It is a statutory public corporation accountable to Parliament through the Secretary of State for the Department for Work and Pensions (DWP). Although set up by the […]

‘Closed Book’ Insurance & Investment Bonds

Posted on 11th December 2018 in Advice

‘Closed Book’ bonds, what are they? Quite simply, they are Insurance & Investment policies that are now closed to new business and are no longer sold. However, they still remain on the books of the life insurance provider as premium-paying policies. Closed book business has become a major issue in the insurance industry. Indeed, contracts […]

Deutsche Lufthansa Pension

Posted on 30th April 2018 in Advice

Europe has some of the worst-funded pension schemes in the world and among them are several airlines and aerospace companies. In a recent study that looked at over 9,000 global companies, Deutsche Lufthansa ranked in the top 20 of companies with the biggest deficits when compared to sales, according to MSCI. Increased costs, low interest […]

Brexit Winners & Losers – Brexit Frankfurt

Posted on 11th April 2018 in Advice

Brexit Frankfurt With a little less than a year to go before the UK formally leaves the EU, it is still very difficult to predict with any certainty, what Brexit will look like and who the eventual winners & losers may be. There are, however, some areas that in recent months have become a little […]

Do you hold a Clerical Medical Bond?

Posted on 12th December 2017 in Advice

Clerical Medical International offshore Bonds Many investors own an International Offshore investment Bond and a number of the original providers of those Bonds have subsequently sold their ‘book’ of clients to other providers. Although a continuation of the original terms & conditions and service levels should be expected, many policyholders are not aware of those […]

Expat Financial Advisor Luxembourg

Posted on 9th November 2017 in Advice

Financial Advisor in Luxembourg Just as there are many reasons why expats choose to live and work in Luxembourg, there are many reasons for seeking financial advice. It is also important to understand the various forms of financial advice and what each financial advisor can offer. Understanding Financial Advice The most comprehensive advice, taking into […]

Is my Guernsey QROPS secure?

Posted on 2nd November 2017 in Advice

Guernsey QROPS Did you transfer to a Guernsey QROPS? Are you aware of the changes to legislation? Read on to find out how you may have been impacted. For many people who transferred their UK pension(s) to a QROPS in Guernsey some years ago, the choice of a stable offshore location at that time was […]

Should I transfer to a QROPS?

Posted on 16th August 2017 in Advice

Should I transfer to a QROPS? When you’re an expat, finances can (and invariably do) get complicated. In today’s article, we’re going to identify when expats should be considering a QROPS – and perhaps crucially, answer the question ‘Should I consider a QROPS transfer’? Let’s set an example: take a person aged in their mid-fifties […]

Global super commuters vs traditional expats

Posted on 30th May 2017 in Advice

Are you a global commuter or simply someone with feet in two countries? Changes in the expat work market The traditional image of an expat as someone who has moved to a new country to work or retire is being blurred by a wide range of other overseas movers and business makers. For some people, […]