Buy To Let or sometimes called Buy And Hold is one of the easiest property strategies to execute, especially for an expat investor.  In this episode, Dan and Sam run through the basics of what it all means and how to get started.

Stay tuned until the end for this week's Expat Essential, where Dan recommends a browser extension that can really help with negotiating a property price.

Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to hello@expatinvestorclub.com.

In this episode of the Expat Money Club, Dan and Sam dissect the current mortgage landscape, exploring how recent changes impact expat investors.

They cover the Bank of England base rate, the implications for mortgage products, and compare interest rates for personal, buy-to-let, and limited company investments.

The discussion extends to the potential effects of the upcoming UK election on property markets.

Timecodes:
[00:01:00] Understanding the Bank of England base rate
[00:02:00] Historical context and comparison of interest rates
[00:04:00] Current mortgage rates for UK residents and expats
[00:06:00] Interest rates for buy-to-let properties
[00:08:00] Economic factors affecting mortgage rates
[00:09:00] Impact of the upcoming UK election on property investment
[00:11:00] Practical tips for property investors in the current market

Stay tuned until the end for this week's Expat Essential, where Dan recommends the Grab app, a must-have for expats in Southeast Asia [00:13:00].

Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to hello@expatinvestorclub.com.

In this episode of the Expat Money Club, Dan and Sam dive deeper into investing strategies, building on the previous week's introduction to the stock market.

They discuss the differences between banks and broker platforms, outline various investment strategies, and provide practical advice on choosing the right investment approach.

Whether you're new to investing or looking to optimize your investment strategy, this episode offers valuable guidance for expats and digital nomads.

Timecodes:
[00:01:00] Recap of stock market basics
[00:02:00] Differences between traditional banks and online broker platforms
[00:04:00] Validating investment platforms and ensuring they are regulated
[00:06:00] Strategies for investing in individual stocks
[00:09:00] Benefits of investing in funds
[00:11:00] Advantages of index funds and popular indexes
[00:16:00] Investment strategies: Lump sum investing vs. dollar cost averaging

Stay tuned until the end for this week's Expat Essential, where Dan and Sam recommend the book "How to Own the World" by Andrew Craig, a valuable resource for understanding global investment strategies [00:22:00].

Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to hello@expatinvestorclub.com.

In this episode of the Expat Money Club, Dan and Sam break down the basics of investing in stocks, shares, ETFs, and indexes.

They simplify these complex topics, explaining how these investment tools can help build wealth with a set-and-forget mentality.

Whether you're a novice investor or looking to diversify your portfolio, this episode provides essential insights for expats and digital nomads.

Key topics discussed:
[00:01:00] The fundamentals of stocks and shares
[00:01:45] Understanding ETFs and their differences from mutual funds
[00:03:45] The purpose and benefits of index funds
[00:06:00] Active vs. passive investment strategies
[00:07:00] The significance of accumulation and income funds

Stay tuned until the end for this week's Expat Essential, where Sam highlights the benefits of using interactive brokers for expats [00:17:00].

Got questions or topics you’d like us to cover? Reach out to us on social media @ExpatMoneyClub or send an email to hello@expatmoneyclub.com.

There's a lot to consider when buying property.  Even more when you're remote.  And yet even more when remote in a different country.  Dan and Sam have a look at the absolute top level when considering property as an Expat.

Dan and Sam discuss the process of setting up bank accounts and credit cards as an expat in Hong Kong. From the first steps to take, the differences between international and local banks, the challenges expats may face, and the documents required. They also touch on building and maintaining credit history, sending money between Hong Kong and the UK, protecting oneself from fraud and scams, and the financial services available in Hong Kong. 

Heading off into the sunset as to become an expat is super exciting.  And today on the pod, we're looking to make as smooth as possible too.  From setting up bank accounts to planning for retirement, we're diving into all the key considerations for starting your new life abroad to help you make an experience to remember.

Should you be investing for Capital Growth or Yield? Which is better? In this episode, Dan and Sam break it down so you can make up your own mind to help you reach your financial goals.

Below are the calculations they use to determine yield and growth:

Gross Yield:
Purchase price = £100,000
Annual rental income = £5,000
5,000 / 100,000 = 0.05 x 100 = 5%

Net Yield:
Purchase price = £100,000
Annual rental income = £5,000
Property expenses = £3,500Profit = £1,500 (Rental income minus expenses)
1,500 / 100,000 = 0.015 x 100 = 1.5%

Growth:
Purchase price = £100,000
Price Growth = 5%
100,000 x 1.05 = £105,000

To compound, multiply again by growth rate - eg 5%
105,000 x 1.05 = £110,250
110,250 x 1.05 = £115,762.50
115,762.50 x 1.05 = £121,550.63

And don’t miss this week’s Expat Essential as we’ve found a clever bit of AI that will help expats and digital nomads get their set up in no time. Check it out here.

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