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Portfolio Analysis Basics #1 - Focus on "TER"​ (Total Expense Ratio)

Portfolio Analysis Basics #1 – Focus on “TER”​ (Total Expense Ratio)

by gfcadvice

A favourite saying of mine (among many!) is that you can “always guarantee charges, but never guarantee returns”, so it clearly makes sense to minimise those charges. Not doing so represents a lost opportunity to avoid paddling upstream in an unnecessarily leaky boat.

UK Expats - Are you getting the returns you deserve?

UK Expats – Are you getting the returns you deserve?

by gfcadvice

If you transferred your UK pension(s) into a QROPS (Qualifying Recognised Overseas Pension Scheme) or into a SIPP (Self-Invested Personal Pension) recently, one of the motivations may have been to gain flexibility around how your cash is invested.

Are You Financially Independent?

Are You Financially Independent?

by gfcadvice

Many dream of becoming financially independent but it rarely happens overnight.You can increase your chances of breaking the shackles of “working to live” if you implement these five money habits:

Protection – why do you need it?

Protection – why do you need it?

by gfcadvice

The two most critical types of personal insurance I discuss with clients are life cover and critical illness cover. The former pays a lump sum to named beneficiaries on your death, and the latter pays a single lump sum or multiple lump sums to you if you experience one of the standard list of critical illnesses (as defined by the Life Insurance Association in Singapore).

Navigator – A modern, flexible and cost-effective investment platform

Navigator – A modern, flexible and cost-effective investment platform

by gfcadvice

Navigator is an investment platform provided by Aviva, a leading insurance and investment company here in Singapore.Navigator provides access to an extensive range of funds from which a client can choose to invest their cash, with the assistance of a licensed Financial Adviser (who will advise on which funds are suitable, based on the client’s priorities and

National Insurance for the UK Expat

National Insurance for the UK Expat

by gfcadvice

UK-domiciled expats who have worked previously in the UK and have since left to work/live overseas. Specifically (because I will be focussing on the “new State Pension” in this article):

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