Category: Investments

Today, expats not only want to build a strong portfolio, many also want their investments to make a positive difference to the world. Ethical investing is an investment style that tries to capture this dynamic by aligning an investor’s values (religious, moral or social) with the desire to generate strong returns.

In this guide, we explain how British expats in Spain and other locations can begin exploring an ethical portfolio. Four broad strategies will be described for building an ethical portfolio, together with their respective pros and cons.

Read more >

Are you looking to build financial security and momentum towards your long-term financial goals?

Living outside the UK can present unique opportunities and constraints when it comes to investing. Fortunately, with the help of a financial adviser, you can maximise more of the former whilst confidently navigating the obstacles posed to expats.

Read more >

As a British expat, how should you invest your money? After all, many of the investment “vehicles” available to UK residents (e.g. ISAs) are not available to non-residents in Spain. One option to consider is Spanish Compliant Investment Bonds. Below, our financial advisers explain how Spanish Compliant Investment Bonds work and how they could feature in an expat’s portfolio.

Read more >

Humans feel the pain of loss over twice as intensely as the pleasure of reward. Although a useful psychological trait for humans in the wild, it can cause problems in the modern world of investing. In particular, fear of loss can cause investors to miss opportunities that might otherwise have grown their wealth.

Read more >

Many people are interested in investing. Yet, a common fear is losing your money in a market “crash”. What is the best way to prepare for a potential bear market? How should you react if one occurs? Below, our financial advisers at Scottsdale offer some reflections. We hope these insights are useful. If you want to discuss your financial plan with a member of our team, please get in touch to arrange a free, no-obligation financial consultation.

Read more >

The economy is a bit like the “ocean” that your investments “float” in. During harsh weather (e.g. a recession), your investments might experience turbulence, leading to short-term price volatility.

Read more >

Have you recently received a windfall, such as an inheritance, and are wondering what to do with it? Perhaps you wonder how you might invest a lump sum if you ever received one. In this article, our financial planners offer some ideas about how someone could invest £30,000 in 2024. We hope these insights are useful.

Read more >

For British expats serious about building wealth over the long term, they need to look beyond cash. Although cash can be helpful to achieve certain financial goals (e.g. an emergency fund), the interest rates (even from fixed-rate deals) often do not keep up with inflation – eroding real returns over time.

Read more >

As an individual nears retirement, it is common to start thinking about “de-risking” their pension(s). In simple terms, this involves moving investments away from volatile ones – e.g. shares which can fluctuate rapidly in price – towards less volatile ones. Bonds are commonly held up as an ideal asset class to move assets into (to achieve de-risking). Yet what are bonds exactly? In particular, how do “bond funds” work and where should they sit within a pension?

Read more >

Lots of people are attracted to the idea of “ethical investing”. Yet what is it exactly? How do you get started with building an ethical portfolio? The subject can seem more overwhelming to British expats living in Spain, since it may be less clear what your options are regarding investment opportunities and platforms (compared to a UK resident).

Read more >