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How to Reduce Your Rent in Singapore

December 7, 2022 at 09:40 AM — by Tiffany Toh

Originally appeared – https://singapore.feebasedfinancialadvice.com/how-to-reduce-your-rent-in-singapore/ “Out of the frying pan, into the fire” Many Australian expats in Singapore, along with most others, of course, have navigated through the difficulties that Covid-19 travel, and work restrictions presented, only to now be faced with rapidly rising rental prices as interest rates have surged. The vast majority of Australian expat households that I’m speaking about within Singapore are facing rental increases of 40% to 80%, and in some cases, well into the triple digits when it comes to the lease renewal time. With interest rates rising leading landlords with mortgages to face higher borrowing…

Investor Insight During Rising Inflation

November 16, 2022 at 10:55 AM — by Tiffany Toh

Originally appeared on https://singapore.feebasedfinancialadvice.com/where-to-next-for-inflation-equities/ Where to Next for Inflation & Equities..? Cash rates globally have increased rapidly since early 2022, and whilst they’re still low by historical standards, it has certainly created a great deal of volatility across equity and fixed-income markets across the globe. With higher inflation expectations looking likely to remain for the short to medium term, and interest rates unlikely to return to the emergency levels that we saw during Covid-19, what does this mean for investors and how should we be looking to position our portfolios? Firstly, let’s take a look at what’s happening in Australia…

Retirement Savings Structures to Choose From For The Aussie Expat

November 9, 2022 at 10:01 AM — by Tiffany Toh

I often get clients coming to me with the question, I have extra funds at the moment, should I contribute these funds to Superannuation? Often, I would reply that if you are close to retirement or you have an investment with positive income in Australia then that maybe an option. But there are other tax-effective savings structures apart from superannuation that maybe more effective for Australian working offshore. When we think about planning for retirement we often think about Australian Superannuation. But as an Expatriate working overseas there is another choice. There are two optimal structures for savings for Retirement. …

Repatriation Checklist for Australian Expats in Singapore

November 8, 2022 at 10:09 AM — by Tiffany Toh

This article originally appeared on Whether you’ve been away for one year or ten, repatriation can be an especially emotional and disruptive time. We’ve compiled a checklist of things to consider for a smooth repatriation. It’s best to plan at least 3 months in advance so you have plenty of time to sort out all the details of your move back to Australia. The average Australian expat spends 5 – 7 years living and working abroad in Singapore, which can be a significant amount of time when it comes to planning to relocate your life and family back to Australia….

How Much Super Should I Have At My Age..?

October 25, 2022 at 10:44 AM — by Tiffany Toh

How Much Super Should I Have At My Age..? This article originally appeared on https://singapore.feebasedfinancialadvice.com/how-much-super-should-i-have-at-my-age/ “We only have $X in our superannuation, and we know that this isn’t very much at our age..” This is one of the most common statements that I hear from Australian expats in Singapore and across the globe, particularly from those that have been living and working abroad for some time. Chances are that if they’ve been living and working abroad for some time, particularly without receiving any financial advice, they will have largely ignored their superannuation and won’t have been actively making contributions. However,…

Selling Property as an Aussie Expat

October 19, 2022 at 04:27 PM — by Tiffany Toh

Selling Property as an Aussie Expat This article originally appeared on https://singapore.feebasedfinancialadvice.com/selling-property-as-an-aussie-expat/ Residential real estate as an investment has been an attractive option for both Australian residents and expats for decades, and I’m sure it will certainly remain an option to consider over the years to come. Whilst it can generate long-term capital growth and income returns, there are critical factors to consider when it comes to disposing of a residential property whilst you’re an Australian expat, or non-resident of Australia for tax purposes. Australia’s residential real estate market is estimated to be worth approximately $9.6 trillion. To put this…

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