The Global Expatriate's Guide to Investing
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Hallam Andrew. The Global Expatriate's Guide to Investing
Foreword
Acknowledgments
Introduction
Chapter 1. Setting Your Bull's-Eye
What's This Ailment Expatitis?
Cheating Conventional Retirement Rules
Cooking Up the Road Less Traveled
The Earthquake and the Epiphany
Jujitsu Junkie Taps Out for Home
Now It's Your Turn
Chapter 2. Building Your Pension
How to Never Run Out of Money
The Man with Nothing But a Backpack
The Couple with Swedish-American Dreams
A Front-End-Loaded Tale of Success
Chapter 3. The Truth about Stocks and Bonds
Halloween Grab Bag Treats Investors
Why Average Returns Aren't Normal
Stocks Pound Inflation
What Has the Stock Market Done for You Lately?
Undressing Stocks with 50 Shades of Gray
The Stock Market Stars as the Great Humiliator
Fast-Growing Economies Can Produce Weak Returns
Bonds Are Protective Nets for Jumpers
Can You Lose Money with Bonds?
Chapter 4. Don't Start a Fight with an Escalator
Yes, the Financial District Loves You!
Global Investors Getting Fleeced
Chapter 5. Where Are the Customers’ Yachts?
Global Investors Bleed by the Same Sword
American Expatriates Run Naked
Why Brokers Want to Muzzle Warren Buffett
Financial Advisors Touting “The World Is Flat!”
Hedge Fund Money Spanked for Its Con
Why Most Investors Underperform Their Funds
Chapter 6. Don't Climb into Bed with a Silver-Tongued Player
Featuring the Rip-Offers
The Ten Habits of Successful Financial Advisors.. Really?
When Your Advisor Is a Sales Commando
Welcoming Sharks into the Seal Pool
Misled Investors Pay the Price
A Canadian Investor Gets Bled
Would You Like a Band-Aid for That Bleeding Gash?
Masters of the Insured Death Benefit Illusion
Free Fund Switching Isn't a Perk
Making Millions off the General Public
Fooling the Masses with Numbers
Regulators Making an Effort
Can Squeaky Wheels Gain Redemption?
If Investors Can't Reclaim Their Losses
When High Fees Meet Gunslingers
A Son's Inheritance Gets Plundered
British Teacher Learns a Costly Lesson
Playing Soccer Like Wasps around Honey
Most Investors Are Crazy
Chapter 7. Self-Appointed Gurus and Neanderthal Brains
Why Most Investors Should Hope for Falling Markets
It's Not Timing the Market That Matters; It's Time in the Market
High Unemployment and High Stock Returns
What Can You Miss by Guessing Wrong?
When Investors and Advisors Sabotage Their Rides
Popular Stocks Underperform
How About the Next Big Thing?
When Genius Fails
Chapter 8. An Employer's Greatest Challenge
Fees – How Much Is Too Much?
So What's the Solution for Global Employers?
Chapter 9. Couch Potato Investing
Don't Bonds Tie You Down?
Is It More of a Fling Than a Real Relationship?
Potatoes Growing Globally
Bonds Relative to Age and Risk
What If You're Falling Behind?
Profiting from Panic – Stock Market Crash 2008–2009
Owning the World
Where Do You Plan to Retire?
Are You Retiring in an Emerging Market Country?
Does This Sound Too Good to Be True?
Chapter 10. The Permanent Portfolio: Growth without Risk
Gold in Isolation Is a Total Loser
A Disco-Era Brainchild from a Twentieth-Century Socrates
This Great Portfolio Will Never Be Popular (But It Should Be!)
Why Does It Work?
What Has It Done for Me Lately?
Chapter 11. Fundamental Indexing: Can We Build a Better Index Portfolio?
Like Top Basketball Players Getting the Most Court Time
Index Funds That Appear to Beat the Market
Investment Legend Likens Them to Witchcraft
Global Fundamental Indexes Might Shelter Us from Bubbles
Emerging Markets Show the Greatest Difference
Aren't These Just Actively Managed Products?
Chapter 12. Capable Investment Advisors with a Conscience
Do You Have a Ninja's Discipline?
Qualities of a Great Financial Advisor
Investment Professionals worth Considering
Chapter 13. Choosing Your Offshore Brokerage – For Non-Americans
DBS Vickers Securities Opens the Door to Everyone
Why You Should Avoid E*Trade Financial
TD Direct Investing International
Saxo Capital Markets – A Jewel with Distractions
Comparing Fees with International Brokerages
Is Interactive Brokers the Dark Horse Winner?
Chapter 14. The 16 Questions Do-It-Yourself Investors Ask
Let's Go!
Chapter 15. Investing for American Expats173
Do You Currently Invest with Vanguard?
Couch Potato Investing with Vanguard
Couch Potato Investing with a Vanguard Stick Shift
When Investors Binge on Speculation
Charles Schwab Offers a Great Deal
Doing the Couch Potato with Schwab
Permanent Portfolio Investing with Schwab
Fundamental Indexing Magic in the Works
Don't Contribute Illegally to Your IRA
What Exactly Is an IRA?
Roth IRAs Are Different
Chapter 16. Investing for Canadian Expats
Canadian Funds Earn an “F” for Costs
Brokerage Options for Expatriate Canadians
Brokerages for Canadians in Capital-Gains-Free Jurisdictions
Building a Canadian Couch Potato Portfolio
ETF Canadian Price War
The Permanent Portfolio, Canadian Style
Fundamental Indexing Portfolios
What About RRSPs and TFSAs?
Swap-Based ETFs, the Ultimate Legal Tax Dodge
Chapter 17. Investing for British Expats
Expensive Firms Performing Like a Virgin
Couch Potato Investing for British Expatriates
British Investors and the Permanent Portfolio
Fundamental Indexing for the British
Chapter 18. Investing for Australian Expats
Fancy an Australian Couch Potato?
How About an Australian Permanent Portfolio?
Fundamental Indexing for Australians
Chapter 19. Investing for New Zealand Expats
Kiwis Chilling Out with the Couch Potato
Permanent Portfolio for Kiwis
Fundamental Indexing for New Zealanders
Chapter 20. Investing for South African and South American Expats
South African Investors
South Africans Fry Up the Couch Potato
South African Writer Likes the Permanent Portfolio
South Africans Preferring Fundamental Platforms
South American Investors
Brazilian Investing Models
Chapter 21. Investing for European Expats
Country-Specific European ETFs
European Indexes That Investors Will Like
Why Not Choose the Simpler Option?
Calling Italians and the Swiss
The European's Permanent Portfolio
Fundamental Indexing for Europeans
So What's It Going to Be – Couch Potato, Permanent, or Fundamentally Indexed?
Chapter 22. Investing for Asian Expats
An Indian National Divulges Her Plan
Asians Embracing the Couch Potato
Asians Choosing the Permanent Portfolio
Fundamental Portfolio for Asians
Conclusion
About the Author
Index
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The Global Expatriate's Guide to Investing
From Millionaire Teacher to Millionaire Expat
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Shane doesn't live like a monk. He lives simply, but doesn't mind paying a premium for quality. In a country where you can survive on a relative shoestring, he claims you can live well on $3,000 per month ($36,000 annually). “I love exploring. It's inexpensive to travel locally in Southeast Asia or in Vietnam, and you can splash out quite affordably and have a comfortable life.” He plans to retire in central Vietnam, Laos, Cambodia, or Chile. But he'll be keeping his hands in the hospitality business. “I’ll probably set up a restaurant or guesthouse to run. To be financially free at 60 would rock, but retiring at age 65 is more likely.”13
If Shane wants to retire with an income of $36,000 a year, he'll need to make adjustments. Inflation is greedy, sometimes frighteningly so.
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