investments

Practical hedging strategies for multi-currency investors: natural hedges, sensible hedge ratios, forwards, multicurrency cash buckets, and when to use hedged funds—so FX risk doesn’t derail your goals.

Individual Savings Accounts (ISAs) remain one of the UK’s most valuable tax shelters. From the little-known Additional Permitted Subscription (APS) on death to Junior ISA opportunities, clever transfer strategies, and family-wide planning, there are more ways to maximise ISA potential than many people realise.

US estate tax is one of the most overlooked risks for global investors. With a $60,000 threshold, it doesn’t take much to create a major liability.

But with the right structuring — funds, companies, trusts, offshore bonds, or insurance — you can dramatically reduce or eliminate exposure.


There are five essential qualities of a good offshore financial planner for HNW expats. From governance and evidence-based investing to multi-jurisdictional expertise, discover what sets the best apart.


Discover what makes the best offshore financial advisers for UK expats. Explore key qualities such as regulation, cross-border expertise, and transparency, with guidance tailored for HNW families.


Adopting a glass-half-full attitude to markets is not just motivational; it’s grounded in economic history.

The Budget will take place on Wednesday 26 November, the chancellor has announced. With the UK shifting from a domicile-based to a residence-based tax system, the 2025 Budget is likely to bring further adjustments that expats need to watch closely.

For decades, individuals have been captivated by property, often seeing buy-to-let as a guaranteed way to get rich. But is it really that simple?

Gold has long been seen as the ultimate "safe haven" — a store of value in uncertain times. But when we compare its long-term performance to other asset classes like global equities, the data tells a very different story.

As we approach six months since Labour’s budget in October, the financial landscape continues to evolve. The key tax changes—initially proposed by the Conservative government and now implemented by Labour—have already had a significant impact. In particular, the radical adjustments to inheritance tax (IHT) have led to a wave of high-net-worth individuals leaving the UK in 2024. While some aspects of the new tax regime remain unclear, this blog summarises the key developments

One important financial consideration you may overlook when you relocate is your UK State Pension. To ensure you're entitled to the full benefits upon retirement, it's essential to make sure you NI contributions are up to date.

Moving abroad requires careful financial planning and organisation. Structuring your finances properly will help you avoid unexpected pitfalls and ensure a smooth transition. Here’s a guide to the key financial considerations and strategies to manage your money effectively when relocating internationally.

Have you ever wondered why investing in the stock market can yield higher returns than just keeping your money in a savings account or fixed-term deposit? The answer lies in the Equity Risk Premium (ERP).

From 1990 to 2023, the price of a pint of beer in the UK has risen from £1.22 to £4.45, and a Big Mac from £1.40 to £3.69. A clear illustration of how inflation eats into our finances.

This "Wall of Worry" timeline highlights major global crises from the past three decades. As investors, we often find ourselves concerned about the constant barrage of negative world events.

Politics can be unpredictable, but your financial growth doesn’t have to be.

If you do not need the money in the short term, invest it by sunset. This approach won’t eliminate short-term uncertainty, but proceeding in any other way will only result in you second-guessing.

Structured notes are financial instruments that can seem attractive due to their potential for high returns and tailored investment strategies. However, they come with significant risks and drawbacks, especially for retail investors.