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Why Choose us ?

We offer a unique and compelling experience to our expanding base of clients and partners. We have absolute focus in our business and in order for us to succeed, our clients must also succeed. We strive to fully understand our clients’ needs and align our interests with theirs. We keep in close communication throughout the relationship and provide an educational framework so they fully understand the financial decisions they make. This leads to positive outcomes and long fruitful relationships. We aim to build increasing wealth under management and this can only be achieved by offering a proposition that is concise and reliable.
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Services

Wealth Management

Wealth Management

wealth-management-servicesCredence international offer wealth management solutions to private and corporate clients that are looking to benefit from expertise and our proprietary access to the market. Through a unique group structure and a strong network of expertise in the sector we have some enviable relationships with banks and Assets managers. This can put clients that would often be regarded as retail clients into a stronger position enhancing the products they are offered.

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FINANCIAL PLANNING

FINANCIAL PLANNING

financial-planning-servicesMost of our clients are expatriates living in favourable tax positions, but this will not be the case for all of them in the future. We will always ensure that our clients are in the most favourable tax positions possible when returning to their homeland or their next overseas destination. We have links to many trust options and estate planning tools to ensure that your money remains where you want it.

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Pension Transfer

Pension Transfer

uk-pension-transferUK pensions are built up over a career and may not be structured ideally for their owners. There are many factors that can come into account when looking to change your pension arrangements. At Credence international we are fully equipped with the latest tools and knowledge to help you decide if transferring your pensions will be a beneficial exercise and which are the best options for you.

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CORPORATE SERVICES

CORPORATE SERVICES

corporate-servicesAt Credence International we offer services to corporate clients that value their workforce and want to retain them. Our range of corporate services help employees feel protected and cared for by employers which turn promotes positivity in the workplace and aids staff retention.

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Our People

Graeme Field

Graeme Field

Head of Corporate Services

Mark Boyes

Mark Boyes

Senior Private Client Advisor

Edward Davies

Edward Davies

Senior Private Client Advisor

Scott Mochar

Scott Mochar

Senior Private Client Advisor

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Latest News & Insights

  • Gratuity-Liability-ManagementGratuity Liability Management

      Calling all CEOs, CFOs and Business Leaders – How can you manage the business risk associated with your Gratuity Liability? Insights As businesses become more aware of the costs and risks involved in running a business, and with lik...

  • SIPP-Pensions-UK-Expats-AustraliaSIPP Pensions for UK Expats in Australia

      Figuring out your finances as an expat is one of the most complicated parts of making a move to Australia. Not only do you have to worry about finding a home and a job, but you have a pile of more mundane tasks to sort out, such as healthca...

  • Moving-to-Australia-from-UKMoving to Australia from UK

      The shortest journey begins with the smallest step – and for expats going to Australia that first step is usually the idea of seeking a better life. What seems a simple plan is complicated by visa restrictions, even for skilled workers. ...

  • money-savings-british-ukMoney just doesn’t add up for the over 55s

      Many older savers display a shocking lack of understanding about how they spend their money and often have no idea about how much money they have. More than half do not keep track of their income and bills, according to a new survey by fina...

  • Workplace-Pensions-British-ExpatsWorkplace Pensions for British Expats

      Workplace pensions were seen as the icing on the cake after years of working and saving hard for retirement. Offering a tax-free cash lump sum and a regular monthly income topped up by the state pension, the aim was to fund the later years ...

  • pension-adviser-UKFacts: Why you need a pension adviser

      Your finances are likely to change as your life progresses, so you will probably need different products to tackle saving for retirement as you get older and your circumstances alter. Pension advice for someone just starting a career is ver...

  • Brexit-Pension-UKImpact of Brexit on Private Pensions UK

      Brexit has been and gone while the impact of Britain leaving the European Union seems to have little impact on personal pensions. Politicians feared the sky would fall in if the nation voted to uncouple from the EU, but that concern seems t...

  • credence-sme-academy-event-dubaiCredence SME Academy Event Dubai

      Credence International are proud to partner with the SME Academy providing an educational framework to SME’s in the GCC Region....

  • Personal-State-UK-PensionsThe difference between Personal & State UK Pensions

      One of the much-admired benefits of living in a welfare state like Britain is the state pension. The pension is designed to give everyone enough money to cover the cost of a basic lifestyle in retirement. For anyone wanting more to spend...

  • retirement-planning-UK-expatsEarly retirement planning for UK expats

      The problem with saving for retirement is no one know how long they are likely to live or if they need to spend a huge slice of their wealth in funding long-term care costs if their health fails in later years. At best, all an expat can ...

  • donald-trump-US-President-2016-won-electionDonald Trump confirmed as the next US President

    Now that the dust has settled, Donald Trump has emerged victorious in the 2016 US Presidential election and is scheduled to be sworn in as President on 20 January 2017. Meanwhile, the Republican Party also secured a clean sweep of Congress, gaini...

  • uk-pension-taxYour £1m pension could be worth £21,000 a year

      Having a million pound pension sounds impressive – but few retirement savers realise what that really means as money to spend once they have given up work. The number is the lifetime allowance limit for the maximum any retirement saver ca...

  • weekly-financial-market-updateWeekly Financial Market Update for 7th November

      Index     Week   Ytd Value   CR TR   CR TR FTSE 100 6693   -4.33% -4.28%   7.22% 11.05% S&P 500 USD 2085   -1.94% -1.89%   2.02% 3.88% NASDAQ COMP USD 5046   ...

  • tax-free-transactions-ukMoney transfer firms to tip off HMRC about transactions

      Expats switching cash from Britain offshore with money transfer services will soon have their transaction reported to the tax man. Under a new initiative, HM Revenue and Customs (HMRC) intends to demand any money service firm dealing with f...

  • financial-market-updateWeekly Financial Market Update for 31st October

    Weekly Market Update for 31st October Index     Week   Ytd Value   CR TR   CR TR FTSE 100 6996   -0.34% -0.30%   12.08% 16.02% S&P 500 USD 2126   -0.69% -0.67%   4.03% 5....

  • strange-insurance-policyInsuring against a ghost of a chance of disaster

      If you are worried about alien abduction or living with a poltergeist or ghost, there’s always the option of covering the risk with insurance. Most people know they can take a policy out to cover their life, sickness or unemployment. B...

  • SME-Beyond-Borders-Dubai-2016SME Beyond Borders Dubai 2016

      Credence International are proud to have been a partner in the SME beyond borders event at the Atlantis hotel in Dubai last week. The event saw speakers from around the world come together and offer valuable insights into the SME and lar...

  • pension-savers-expensive-mortgagesCost of living is too much for pension savers

      Retirement savers do not have enough money to save into a pension after they have paid their monthly bills. A massive 93% of 45 to 54 year olds approaching retirement complained that they could not save any more or sometimes anything at all...

  • pension-saving-tax-penaltyTax man clobbers workers for too much pension saving

      Watch out if you save too much for retirement because the tax man is clobbering diligent investors. The lifetime allowance is the amount of cash anyone can save into a pension. The current limit is £1 million and the limit increases in lin...

  • Investing-Pension-PropertyIs Investing In Property Really A Good Pension Plan?

      Bank of England chief economist Andy Haldane has opened a debate on property v pensions with some controversial comments about investing. He argues that while Britain has a housing crisis with too few homes, prices will keep rising and o...

  • young-savers-retirement-planningYoung savers expect too much from their retirement

      Savers are piling cash into their pensions but still have an unrealistic idea of the sort of retirement they can afford, says a new survey. Younger savers are managing to save £5,000 a year for a pension or as a deposit on a home of their ...

  • british-expats-abroadBritish expats don’t learn languages and chase the sun

      British expats are not an adventurous lot and like staying near home and can’t be bothered to learn a foreign language. Only one in four move for work, while almost two-thirds of expats leave Britain in search of better weather. Expat ...

  • UAE-Expats-DownsizeGloomy expats downsize as financial woes impact

      Expats in the United Arab Emirates are turning away for high-end homes to find more affordable living space. A slump in property prices that is on the cusp of starting to bounce back to the highs of several years ago and concerns about the ...

  • weekly-market-updateWeekly Market Update for 3rd October

    Weekly Market Update for 3rd October Index     Week   Ytd Value   CR TR   CR TR FTSE 100 6899 -0.15% -0.14% 10.53% 14.14% S&P 500 USD 2168 0.17% 0.20% 6.08% 7.84% NASDAQ COMP USD 531...

  • British-Expats-UK-TaxBritish Expats Should Pay UK Tax, Say Financial Experts

      Taxing British expats wherever they live in the world is the only way to stop tax avoidance scandals, financial experts claim. The Chartered Institute of Securities and Investment (CISI) wants British passport holders to pay income tax a...

  • pension-fundsPension Funds Show Worst New Year Start For Years

      UK pension funds have turned in their worst performance in seven years, according to a new survey. Shockingly, less than a fifth of the country’s 5,921 registered pension funds posted growth in January 2016, with the average pension fund ...

  • weekly-financial-market-updateWeekly Market Update for 19th September

      Index     Week   Ytd Value   CR TR   CR TR FTSE 100 6710 -0.98% -0.98% 7.50% 11.00% S&P 500 USD 2139 0.53% 0.59% 4.66% 6.34% NASDAQ COMP USD 5245 2.31% 2.34% 4.74% 5.71%...

  • Weekly-Market-UpdateWeekly Market Update 12/09/16

      This document is intended for professional advisers only and should not be relied upon by any persons who do not have professional experience in matters relating to investments. Weekly Market Update for 12th September Index   ...

  • pension-property-investmentDownsizing leaves millions short of retirement cash

      Downsizing rather than saving into a pension is a gamble that rarely pays off and is more likely to leave people short of money when they retire, according to new research. A study estimates that more than 3 million homeowners shun saving i...

  • pension-freedom-for-expatsPension Freedoms: Considering your options is key for savers

      Under recent UK pension legislation changes, retirement savers now have the freedom to draw their pension as cash and spend the money how they like – or do they? Whilst the rules have changed, the regulator’s stance on consumer prote...

  • weekly-financial-market-updateWeekly Market Overview

    Economic Overview Janet Yellen’s Jackson Hole speech finally brought an end to the summer lull especially after she echoed recent comments by her Fed colleagues and suggested the next rate hike is getting close. In terms of timing, markets still...

  • professional-financial-adviceFailure to take professional financial advice is costly

      Retirement savers are shunning professional advice and could be losing out on thousands of pounds of income every year in retirement. Many take advice from the wrong people or do not bother at all, says a new survey by pension provider LV=....

  • big-brands-bondsBanking On Income From Big Brands With Bonds

      While interest rates and return from gilts and annuities continue to bomb, one place to look for high returns is lending cash to big brand businesses. Corporate bonds are a simple way to invest that are often overlooked by personal inves...

  • Home-Rental-Income-SlideLuxury Home Rental Income On The Slide

      Rents for prime residential property across the world has dropped for the third quarter in a row, according to the latest data. A survey by international property firm Knight Frank scrutinised rents in 17 major cities and found that they...

  • VAT-Gulf-UAEGulf states set date for introducing VAT

      The Gulf States have finally succumbed to raising taxes in a bid to repair their oil-ravaged finances. The six nations have agreed to introduce a value-added tax (VAT) on goods and services sometime in 2018. The leaders and finance minis...

  • financial-understandingFinancial Understanding

    Money matters too complicated for most adults While pensions, tax, and money matters are becoming ever more complicated, fewer ordinary people understand their finances. Research in the UK and the USA reveal that financial understanding is quite low...

  • british-pensioners-savingPensioners save half as much as they need for retirement

      British pensioners are only saving half as much as they should build a cash pile to generate the money they need to fund a comfortable retirement. Over the 50s were quizzed about how much annual income would fund different levels of retirem...

  • gratuityEnd of Service Benefits

      Zurich International and Insight Discovery have recently facilitated a roundtable discussion with business leaders to discuss the increasing burden of managing EOSB and how the landscape is likely to change in the years ahead. With expatria...

  • Brexit-UK-EU-PassportUK Financial sector determined to keep EU passport

      Britain's financial sector is working hard to not lose EU passporting after the vote to leave the EU. Lord Mayor of the City of London said on Friday. "I think we're determined that we won't," lose passporting rights. The ambassador a...

  • brexit-pound-sterlingThe stunning collapse of the British pound

      Further to the recent Brexit referendum the pound has plummeted against other currencies. So how much lower can it go? Here are some of the more bearish, or pessimistic, forecasts. Below parity Jim Rogers, investor and chairman of Roger...

  • brexitAfter Brexit UK consumers ditch the spending plans

      After the shock vote to leave EU are ditching plans to buy properties, homes and they are looking to work abroad. State agent hart told that the 11% rise in the number of people selling their property as compare to the June 2015. Accordi...

  • saudi-arabia-taxSaudi Arabia Floats Income Tax For Expats

      Thousands of well-paid expats in Saudi Arabia may have to pay income tax in the future as the government mulls ways of raising money to plug a massive budget deficit. Taxing expats incomes is one proposal before policy makers. Around a th...

  • asset-managment-dubaiAsset Management the key of Economic Growth

      What actually the asset management is? And why the companies are offering asset management? What is its role in economic growth of a country? These questions are very important for a company to be answered. Asset management is a syste...

  • oil-price-dropDrop In Oil Prices

    Drop In Oil Prices Undermines Gulf Economies Two more Gulf States are taking emergency action to plug budget black holes after close to two years of uncertain oil prices. The government in Qatar is ready to run a budget deficit for at least three...

  • uk-pension-brexitUK Pension Effected after Brexit

    UK Pension Effected after Brexit After the UK decision to leave EU, it also effects the UK Pension Funding.  Clearly this election has impact the market and all funding positions of UK Financial Scheme which also includes funding positions of DB pe...

  • expatWhy Professional Expats Are On The Move

    Why Professional Expats Are On The Move Research aimed at explaining why professional expats move between countries has thrown back some baffling results. Close to 200,000 expats were asked about their travels and the results were sifted to put t...

  • brexit-uk-taxesAfter Brexit Taxes will Rise

    After Brexit Taxes will Rise After UK votes to leave EU, UK is now going from Economical challenges and to deal from these challenges UK Finance minister George Osborne announced that UK have to raise taxes. UK Finance minister George Osborne sai...

  • UK-votes-EUUK votes to leave the EU

    UK votes to leave the EU With the UK’s referendum concluding in the unexpected result of voting to leave the EU, market sentiment has reacted negatively this morning. Ahead of the referendum, both UK equities and sterling had risen as expectations...

  • 201411-weekly-market-update-bannerWeekly Market Update

    Weekly Market Update for 20th June Notable events over the last week • In a week driven by speculation surrounding the UK’s EU Referendum, markets proved volatile with the pound reaching 10-week lows of $1.4013 on Thursday. Sterling reversed ...

  • download4Weekly Market Update

    Weekly Market Update Notable events over the last week In a slow week for meaningful macro data, attention focused on the US JOLTS jobs report and Fed guidance ahead of the June FOMC meeting this week. The hiring rate was little changed in April ...

  • market overviewWeekly Market Update

    Notable events over the last week Equity markets largely shrugged off a number of potentially market moving events in a shortened holiday week. Friday’s weak US unemployment numbers were headline worthy, with a significant miss versus expectatio...

  • over 50s1 in 10 Over 50s Plan To Carry On Working

      Older workers are clinging on to work instead of falling off the retirement cliff when they reach pension age, according to new research. Around one in 10 workers have no intention of retiring – especially if they are already over 65 y...

  • over55Over 55s Miss Best Deals After Cashing In Pensions

      Over 55s cashing in their pension pots are not shopping around for the best deals when investing their savings, according to new figures. In the first three months of flexible access to pension funds, financial firms have paid out £2.5 ...

  • vatExpats May Face More Taxing Times In The Gulf

    Expats are facing the unthinkable – losing subsidies, benefits and maybe even paying income tax in the Gulf States. Oil is the culprit. A spectacular decline in the price a barrel from more than $100 to around $30 in less than two years is forci...

  • financial-market-updateWeekly Market Update

      Notable events over the last week   The FOMC minutes which were released on Wednesday afternoon revealed a much more hawkish tone than expected and a number of Fed officials (Williams, Rosengren, and Dudley) warned that mar...

  • retirement numbers11 Numbers You Need To Know For Retirement

      If you are giving your retirement finances a work out to make sure your investments are performing, here are some tips about numbers you need to know. How much do you spend? This is the benchmark number you must nail down to give some ide...

  • wealthyWealthy Are Getting Richer By The Day, Says Bank

      Forget the oil rich nations of the Middle East if you want to make a million, you are far more likely to do so in countries with a more developed economy or an emerging markets, according to new research. Although the rich in places like...

  • frozen pensions£400 Million Locked Up In Frozen Pensions

      Saving enough money for a comfortable retirement is tough enough without having money locked away in a frozen pension that is forgotten. Hundreds of thousands of retirement savers have money in lost pensions. At the latest count the a...

  • Over 60 life insuranceForget Your 40s And 50s, Life Really Begins At 60

      Life begins at 60 and middle-age is nearer 50 years old than 40, according to new research. Improvement in diet, medicine and technology now means many people are living to an average age well into their 80s, which has made the old phras...

  • market updateWeekly Market Update

    Notable events over the last week          In the US, headline retail sales surprised to the upside following a week of relatively disappointing earnings data from a number of apparel-linked retailers and department stores, inc...

  • pensionPension options for expats as retailers go bust

      British expats have to weigh up their pension options if they have funds with a British high street retailer. Two big high street and retail park brands have collapsed into administration this week, joining a list of well-known names tha...

  • market updateWeekly Market Update

      Notable events over the last week   Last Friday saw the release of the April employment report which showed nonfarm payrolls expanded by 160k, coming in well below the median consensus expectation of 200k. March job growth ...

  • st-leger-festivalDoes Selling In May And Going Until St Leger Day Work?

      Relying on proverbs for investment advice is not the best of ideas, according to a leading financial expert. Investors often trot out the rhyme ‘sell in May and go away, don’t come back until St Leger Day’ as a proven strategy. ...

  • inestment tips10 Investment Tips For Savvy Savers

      It’s only natural that expat savers want to make the most of the cash they have stashed in poor performing offshore bank and building society accounts. However high their money mountains may reach, they need to keep making sensible fin...

  • retirementHow much money do you need to retire?

      No one really knows how much they need to save to retire because so many variables apply to the equation. Everyone has their own solution that takes into account factors like when you retire, how long you will live, how much you spend an...

  • saudi green cardGreen Card Welcome For Expats In Saudi Arabia

      Saudi Arabia is to extend a welcoming hand to expats by offering them a right of residency similar to the US green card system. The card will allow expats to claim permanent residency in the country. Expats will pay Zakat, VAT and ins...

  • brexitExpats Launch Brexit Vote Challenge In High Court

      British expats denied a vote in the UK Brexit referendum have won the right to challenge the government’s decision in the High Court. Harry Shindler, a World War Two veteran living in Italy And Jacquelyn MacLennan claim the British gov...

  • eu-referendumHow much tax will Brexit cost 2m British expats?

      A vote in favour of Brexit could turn into a nightmare scenario for 2 million British expats living in Europe. The European Union has no procedures in place to deal with a state pulling out of the bloc, just a two-year breathing space to...

  • Young couple calculating their domestic billsFinancial regrets, we have a few…

      Thousands of people approach retirement with a pile of financial regrets, according to a new survey. Only one in five believed they had not made any wrong financial decisions, but the majority rued many money errors they had made through...

  • market updateWeekly Market Update

      In a “risk on” week for the markets that saw equities rally, particularly outside the U.S., WTI rose midweek to $42/barrel, a level last reached in early December 2015. Fedspeak has generally been dovish over the past few weeks with...

  • market overviewQuarterly Market Overview

    The start of 2016 began in sobering fashion, with a broad sell off in risk assets accompanied by very pessimistic market assessments from various commentators. Heavy January declines were driven by falling oil prices, China’s worsening economic sit...

  • pensionsHow To Save Money By Combining Pensions

      Savers are confused over the benefits of pension consolidation and how putting their pots under one roof can save them money and boost their retirement incomes. Despite the advantages of putting several pensions together as one fund, mil...

  • marketsWeekly Market Update

      Notable events over the last week Fed Chair Yellen remained cautious during her speech at the Economic Club of New York, reiterating many of her very dovish policy sentiments in contrast to much of the Fed speak as of late. Just a wee...

  • imagesWhat To Do If You Inherit A Windfall Of Shares

      Thousands of over 50s inherit shares but four out of 10 don’t know what to do with them. Around 250,000 over 50s have stocks and shares inheritances they did not know about worth an average £3,500. Most of the share papers and cert...

  • 1216_debbieUS Dollar Strength Uncouples Currency Train

        Countries with fixed exchange rates pegged to the US dollar are expected to unhook their currencies as the American economy pulls ahead of the rest of the world. Over the years, lots of central banks have pegged to the US dolla...

  • weekly-financial-market-updateWeekly Market Update

      Notable events over the last week The FOMC meeting dominated headlines last week as the Fed announced it would scale back its ambitious rate plans. The Fed confirmed that due to global economic concerns and financial system distress t...

  • Pie chart on a stock chart with a budgetUK Budget 2016 review

    Wednesday’s budget statement was somewhat of a bitter-sweet affair. Chancellor George Osborne started his speech by announcing downward revisions to the UK’s economic growth forecasts. The Office for Budgetary Responsibility now forecast the ec...

  • market updateWeekly Market Update

    Notable events over the last week With the euro area inflation outlook continuing to worsen, the ECB announced a broad policy package in its March meeting, which shifted the focus away from negative rates and towards quantitative and credit eas...

  • oil pricesYo-Yo Oil Price Keeps Everyone Guessing

      The price of oil is yo-yoing so fast that it’s hard to keep up with the current price. Everyone knows by now that the price per barrel as slumped to the lowest price for years, forcing oil companies to slash jobs, shelve exploration an...

  • RiyadhGettySaudis Seek $10 Billion Bail-Out As Cash Dries Up

    Concerns that one of the world’s richest oil producing countries is going broke are sweeping through the markets faster than a bush fire. News has slipped out that Saudi Arabia has written a begging letter to a number of leading banks asking for...

  • marketsWeekly Market Update

    Notable events over the last week Last week saw the release of the China Manufacturing PMI series which came in at 49.0 (vs. 49.4 expected) in February down from 49.4 in January, reaching 7 year lows. The non-manufacturing PMI also came in weak...

  • market updateWeekly Market Update

    Notable events over the last week The PBoC Governor Zhou Xiaochaun addressed markets on Friday morning in a bid to challenge the negative sentiment surrounding the Chinese stock market. The message came after the Shanghai Composite Index tumble...

  • sergio-pitamitz-monte-carlo-at-sunset-monaco-cote-d-azur-mediterranean-europeWhere Expats Can Go For Sunshine and No Tax

      Expats wanting to pay little or no tax but enjoy a quality lifestyle have a range of destinations to pick from, although the choice of traditional tax havens is shrinking. Despite the US Foreign Account Tax Compliance Act (FATCA) and a t...

  • hmrcHMRC Power Unfairly Penalise Expats Say Tax Experts

      Tax experts claim new laws that allow fines and criminal charges for making mistakes on tax returns are unfair to expats. The Chartered Institute of Taxation is urging HM Revenue & Customs (HMRC) to rethink the rules as a matter of p...

  • payslip_3137109bMake Sure You’re Ready for the New Dividend Tax

      Chancellor George Osborne is set to grab millions in tax from investors paid dividends outside of tax wrappers such as ISAs and pensions. From April 6, 2017, the old dividend tax system is scrapped and replaced with a new set of rules. ...

  • shutterstock_262478570-800x500_cThree Tips For Investing In Uncertain Markets

      Investing in uncertain markets is a leap into the unknown, but a leading fund manager has three tips that can make the landing less bumpy. Yo-yo financial markets are a headache for the most experienced fund managers. Fidelity Interna...

  • BRITISH EXPATSBritish Expats Head East For Work And Cash

      The number of British expats heading east for a new life is booming, according to a new survey. Singapore is the destination of choice for most expats who have lived overseas for at least three years, says the NatWest International Banki...

  • market updateWeekly Market Update

    Notable events over the last week Over the weekend, the PBoC Governor Zhou Xiaochuan suggested that capital controls were not being considered by the bank and that further exchange rate depreciation is unlikely to be required. The communicati...

  • rexfeatures_4990197cNo Change Coming for Markets, Argues Fund Manager

      Global markets and economies are so interlinked and move so fast. Investors have problems keeping up with the data and making sensible financial decisions. One of the largest UK financial firms is warning that nothing is likely to change...

  • MarketUpdate-300x200-092730Weekly Market Update

    Notable events over the last week Central bank commentary dominated headlines last week with the Fed, PBOC, BOJ and ECB all making announcements. In the US, Wednesday saw the release of the FOMC policy statement following the two day January me...

  • investmentFive Tips On Diversification From A Fund Manager

    The key to a balanced investment portfolio during financial market volatility is diversifying assets, according to a new report. Most investors are rightly concerned about the swathes of red on stock market tickers wiping the value off their inves...

  • When-is-the-right-time-to-invest-in-a-retirement-planThere’s No Time like the Present to Invest

    When’s the best time to invest is a question fund managers and financial advisers are often asked. The best answer, according to the Personal Finance Society is now. Regardless of the state of the market, there is probably never a better time...

  • market updateWeekly Market Update

    Notable events over the last week In another week categorised by considerable market volatility, the European Central Bank chief, Mario Draghi provided some reassurance to financial markets by hinting at the possibility of further monetary stim...

  • Chancellor-George-Osborne-006Treasury reveals how new stamp duty rules will work

      Property people have a short and sharp four week window to make their views known to the government about a new stamp duty surcharge on homes for investment. Chancellor George Osborne announced the 3% stamp duty charge in his Autumn Stat...

  • retirement-savings-income10% Expect To Fund Retirement With An Inheritance

      Spend now and hope someone will leave you an inheritance to fund retirement seems to be the pension plan for one in 10 people. Rather than make an effort to put money aside in a pension, they are spending their savings and hoping to rely...

  • shutterstock_233498950Lower oil prices

      Oil prices remained under pressure during the quarter, hitting lows not seen since the Global Financial Crisis. At the end of 2015, prices had fallen by around 70% since mid 2014 (Figure 1).   Figure 1: Oil prices have declined...

  • market updateWeekly Market Update

    Notable events over the last week China dominated headlines again as its main stock market benchmark, the Shanghai Composite, entered a bear market on Friday. The index has fallen more than 20% from its December 2015 high, and therefore by defi...

  • europe marketsEurope Q4 2015 Overview

      In Europe it was also an eventful quarter. The region’s equity and short-dated government bond markets generally made early gains amid speculation that the ECB would implement further stimulus measures. However, these were momentarily tem...

  • uk marketsThe UK Q4 2015 Overview

    The UK sits on the same side of the policy divergence dynamic as the US, with its economy relatively strong compared to most of the other developed markets (although its growth slowed over the course of 2015) (Figure 1).   Figure 1: UK G...

  • 4614Japan Q4 2015 Overview

      During the quarter, market participants that expected the BoJ to provide further monetary stimulus were disappointed as it maintained its current asset purchase programme (although it added some minor supplementary measures in December). In...

  • us marketsUS Q4 2015 Overview

    In early October, market expectations of a 2015 US interest rate rise were low. This reflected the FOMC’s cautious stance at its September meeting, which it had justified on the basis of events in China and the negative effect they would have on gl...

  • downloadExpats Could Face A Ban On UK Welfare Benefits

    Expats could face a loss of state welfare as MPs consider a reserve strategy if Prime Minister David Cameron fails to secure a deal to stop migrants claiming benefits with the European Union. Part of Cameron’s main demands is that European migra...

  • 4614Market reaction: January 2016

    Equity Markets have started the year on the back foot, with some market commentators publishing very bearish articles that have added to investor risk aversion. While we acknowledge that investment risk has increased, we do not feel compelled to move...

  • emerging marketsPerformance of Emerging markets during 2015

    China’s economy showed some signs of stabilisation during the period and this helped its stock market make gains after a particularly turbulent third quarter. The stabilisation occurred amid significant government policy support in the form of curr...

  • shutterstock_109039355-630x210-1394051210Weekly Market Update

    Notable events over the last week 2016 started off on an inauspicious note which saw $2.3tn wiped off global stocks. China was the main culprit as it fixed the onshore CNY sharply lower, already implying an annual depreciation far bey...

  • 2016-forecast-imageOutlook for 2016

    We expect global economic growth to gradually strengthen over the course of 2016 as consumption in the developed markets picks up, especially in the US, and as China and other emerging economies stabilise. However, growth is likely to stay below long...

  • market overviewMarket Overview for Q4 2015

    The final quarter of 2015 ended the year on a positive note, with many markets reversing the declines they suffered in the preceding period. However, 2015 was a tumultuous year, characterized by diverging regional economic fortunes and policy trends,...

  • money_2044130bAnnuity Freedom For Millions Of Retirement Savers

    Five million people trapped in poor paying annuities can sell them as a result of a new government plan. The measure is aimed at helping out millions of retirement savers who had to cash in their pension pots before new flexible access rules came ...

  • 00656A5600000578-3117474-image-a-11_1433886588830Savers Scared They Will Run Out Of Pension Cash

    Only half of retirement savers believe they have enough money to finance a comfortable retirement, according to a new survey. The other half are concerned their pension pots will run out too quickly, says the research by Citizens Advice. Six ou...

  • download (1)Travel Claims For Expat Contractors Scrapped

    Offshore contractors and consultants face a massive tax shake-up next year as the government scraps their right to claim travel expenses. From April 2016, anyone working through a personal service company or an umbrella company who cannot prove th...

  • downloadWealthy Expats Shunning A Move To The UK

    The number of wealthy expats looking to settle in Britain has plunged since the government doubled the amount of cash they need to invest to buy a visa. The drop in applications coincides exactly with the change of policy. At the end of 2014, e...

  • fedFed Interest Rate Rise And The New Normal

    The US Federal Reserve interest rate was one of the financial world’s worst kept secrets. The Fed chair Janet Yellen had dropped hints for weeks that the rise was on the way in order not to spook the markets. Then, on cue, she announced hoist...

  • Federal_Open_Market_Committee_MeetingUS Federal Open Market Committee interest rate announcement

      Yesterday evening, the Federal Reserve (the ‘Fed’) announced a rise in US interest rates for the first time in 9 years. While this was widely expected, having been continually signposted by the Federal Open Market Committee’s (‘FOMC...

  • money-in-binHow Much Money Do You Waste Every Month?

      Do you know how much you spend each month – and more importantly what you spend the money on? Probably not. But maybe it’s time you took more notice of how you spend your cash by tracking expenses and making sure that you get valu...

  • download4Weekly Market Update

    Notable events over the last week US retail sales ticked up 0.2% in November on the back of a 0.1% rise the previous month, just shy of the 0.3% gain predicted. Performance was largely dampened by weak auto sales (down 0.4% in November after a ...

  • Untitled-5Weekly Market Update

    Notable events over the last week The ECB dominated headlines last week underwhelming markets with its latest stimulus package, causing government bond prices to fall and the euro to jump in value. The Central Bank lowered its deposit rate by 1...

  • Gulf expats will have to pay for their perksGulf Expats Will Have To Pay For Perks

      Expats in some Gulf States are to lose some expensive perks as governments look to cut costs as the price of oil stagnates. Lawmakers in Bahrain are in discussions about scrapping electricity and water subsidies and stopping at least som...

  • externalClock Ticking On Pension Tax Breaks For High Earners

      High earners do not have much time left to make the most of their pensions. The government is introducing two changes I April 2016 that will slash the size of pension funds and the amount of money the wealthy can contribute to a pension....

  • market updateWeekly Market Update

      Notable events Following subdued trading over Thanksgiving in the US, attention this week is largely focused on the ECB meeting on the 3rd of December. Draghi and several board members have remained very dovish and signalled that th...

  • indexGlobal Gold Demand Remains Lack Lustre

    The global demand for gold slightly increased in the third quarter of 2015 despite patchy performance in some markets, according to trade body the World Gold Council. Overall, gold supply was up 8% year-on-year to 1,121 tonnes, but some of the und...

  • question_answer_q_and_a_interview_gurus_informationDiscretionary Fund Management Questions Answered

    If you are looking to step up investing and are looking for expert advice, then discretionary fund management may be the tool you are looking for. A discretionary fund manager is an independent financial expert who manages a fund according to a se...

  • downloadAre You Rich or Poor – Most People Don’t Know

    A survey asking a million people worldwide has returned a surprising set of answers – no one really knows. The Organisation of Economic Cooperation and Development (OECD) set up a compare your income tool online to highlight where individuals stoo...

  • compasshepherdsbus_2779349bHow Mortgages Can Trigger Surprise Expat Tax Bills

    British expats moving overseas and paying off a mortgage on their UK home could face unexpected tax bills, warn financial advisers. Although foreign currency gains or losses on residential property mortgages are not taxed in the UK, the same rule ...

  • WATFORD CITY, ND - JULY 23:  Workers with Raven Drilling line up pipe while drilling for oil in the Bakken shale formation on July 23, 2013 outside Watford City, North Dakota.  North Dakota has been experiencing an oil boom in recent years, due in part to new drilling techniques including hydrolic fracturing and horizontal drilling. In April 2013, The United States Geological Survey released a new study estimating the Bakken formation and surrounding oil fields could yield up to 7.4 billion barrels of oil, doubling their estimate of 2008, which was stated at 3.65 billion barrels of oil.   (Photo by Andrew Burton/Getty Images)Oil And Gas Workers Face Massive Tax Demands

    Thousands of oil and gas contractors accused of involvement in a tax avoidance scheme have received demands for cash from HM Revenue & Customs (HMRC). More than 22,000 contractors who sheltered their earnings offshore in now outlawed employmen...

  • 12185_bigCGT Cases Muddy Rules For Expats Selling UK Homes

    Qualifying for capital gains tax breaks as an expat is even more complicated following the latest legal rulings in the UK. Capital gains for expats became an issue from April 2015 when Chancellor George Osborne reversed the law allowing non-reside...

  • market-volWeekly Market Update

    Notable events over the last week In a week of largely positive data for the US, jobs data stole the headlines. Nonfarm payrolls grew by 271,000 in October; a sharp jump from the weak August and September numbers of 153,000 and 137,000 respec...

  • Discretionary-Portfolio-Management-Credence-InternationalDiscretionary Portfolio Management

    Discretionary Portfolio Management (DPM) is a service that provides individually tailored portfolios for our clients. It’s a service that is integral to financial planning for expatriates. How it works Firstly, a client will be allocated an ...

  • stock-exchange-minFive Tips For Investing In Volatile Markets

    Investors can find keeping up with the markets a struggle with real-time reporting, sudden rises and falls and no real trend other than volatility in recent years. Market swings can make or break investors in a few minutes, but although technology...

  • lifetime-allowance_pension_1Is Your Lifetime Allowance Protected?

    The lifetime allowance is the maximum size the government allows a pension fund to reach without penalising retirement savers with tax charges. The lifetime allowance is often referred to as the ‘LTA’ and is set by the Chancellor in the annual...

  • downloadProtecting Your Cash With Structured Products

    Structured products try to give investors the best of both worlds by offering the rewards of potential growth while protecting capital. They are like Marmite for many investors – some love them and have seen great returns, while others see them ...

  • download-1Weekly Market Update

    Notable events over the last week The FOMC unsurprisingly held off on raising rates yet again last week, however provided a strong indication that a 2015 lift-off is still firmly on the table. In the statement released on Wednesday, the FOMC sp...

  • download-11Cash in the bank or invest? Look to the 1% for inspiration

    The phrase “the rich just keep getting richer” wasn’t coined as a result of over-generous tax breaks, courtesy of global governments keen to keep their country as attractive as possible for the super-wealthy. It is actually the investment trend...

  • download4Weekly Market Update

    Notable events over the last week Last week’s existing US home sales provided further evidence that the US recovery is likely to be supported by the strengthening domestic economy. Sales of previously owned U.S. homes rebounded last month to the...

  • download-1Tax Planning for returning Brits

    For UK expatriates returning to Britain for good, there are tax issues that cannot be avoided. The taxman takes great interest in returning expatriates, and the rules are extensive and complicated. Before beginning the process of re-introducing yo...

  • shutterstock_157893125-2IHT and trusts

    When making succession plans, a large majority of British passport holders are advised to place their money, life insurance policies, property and assets into trust. By doing so, they effectively relinquish ownership of the assets placed into trust, ...

  • download2The benefits of investing a company gratuity fund in the Middle East

    In the Middle East, a company must pay a gratuity to each employee that leaves their position. As a result, most businesses will have a separate bank account with a gratuity reserve fund ready to be distributed as and when staff move on. There are...

  • China-Biotics-is-junk-stock-says-China-Economic-ReviewWeekly Market Update

    Notable events over the last week Last week marked the official start of the Q3 earnings season and whilst the majority of reported earnings have beaten expectations many companies are wary of the headwinds which lie ahead. Of the 57 S&P ...

  • Germany-Tax-Conference-251 nations now in permanent tax evasion information exchange

    Tax evasion is a subject that’s never far from the headlines, but there are a number of countries now working extremely hard to ensure that it is banished for good. 51 nations have signed up to the tax information exchange agreement across the w...

  • downloadNotable events over the last week

    Thursday saw the release of September’s FOMC meeting minutes which supported the committee’s decision to leave rates on hold for yet another month. All but one of the members voted against an increase and the minutes reiterated that ‘lift-off...

  • ThinkstockPhotos-167454627-620x350Weekly Market Update

    UK equities contracted -2.7% in September (total return, Sterling terms), as markets experienced another month of sell-offs following a downbeat August. Once again risky assets succumbed to global emerging market growth concerns and tightening in glo...

  • Economic-market-view600x400-600x398End of September Review

    The overall market scenario for the last week looks good in the developed economies, with the unemployment levels declining and the headline inflation touching almost zero. However, it is important to note here that global growth is weighed upon by t...

  • TableCharts-630x210-1436890978-600x200Weekly market review (End of Q3)

    Starting with the US; last week figures were released saying the economy expanded at an annual rate of 3.9% rather the 3.7% in Q2. This is due to strong consumer spending business investment and residential construction. Recent data in the US shows t...

  • imagesWeekly update

    After many weeks of anticipation the US central bank decided not to increase interest rates, with 9 out of 10 members voting to keep rates with their current 0 – 0.25% target. The general viewpoint for rates remaining as they are is that recent eco...

  • downloadWeekly Market Review

    In the recent months, inflation has increased, despite this the CPI figures are still close to zero. This suggests a good environment for commodities. There has also been an improvement in the supply/demand balance in the recent months, but a peak in...

  • piccWeekly market update

    Currently the emerging markets are facing market crisis, just similar to the one witnessed in 1997. However, this time there will be a higher impact on the developed markets. This is because economic growth and global trade will be affected by lower ...

  • israel_economy_review_2013-600x397Weekly Market Review

    Last week, Dow Jones fell 1,089 points within minutes of Monday’s opening bell and on the other hand  S&P closed 3.9% up on Wednesday, its biggest daily gain since November 2011. This lead to global equity markets experiencing one of the bigge...

  • market-volThe Global economic slowdown and market volatility

    The Chinese economy Slowdown: The Chinese currency has devalued, which has led investors concerned about further devaluing of the currency, despite the People’s Bank of China’s assurance that there is no basis for sustained yuan depreciation. Th...

  • guernsey-coastEuropean Commission drops Guernsey from EU tax blacklist

    After a meeting held in Brussels between the European Union officials, the European Commission issued a blacklist naming 30 non-cooperative jurisdictions. The commission has removed Guernsey from the blacklist and has endorsed Guernsey as a ‘cooper...

  • global_economic_strategic_review-600x398Review for first week of August

    August started with emerging market equities continuing to struggle in dollar terms. While the Japanese and European equities supported the global equity markets; small caps and growth were outperformed by defensive large cap sectors. The oil rig ...

  • business-growth_website2The end of July

    The recovery in foreign trade and an increase in consumer spending in the second quarter (April - June) has helped the economy of United States to grow at an annualized rate of 2.3%. The interest rates were left between 0 – 0.25% by the Federal ...

  • downloadCurrent markets, opportunities and threats

    Often it is said that traders go away in May and return in September and the summer lull has become a well-used phrase around the financial markets for many years. However, this year has been a little different with plenty of activity during the summ...

  • MaxW640imageVersiondefaultAR-150709247-600x399UAE employees urged to spend their early Eid wages wisely (The National)

    Public sector workers who will be getting their wages early have been urged by financial experts to spend responsibly and budget carefully. So far government workers in Abu Dhabi, Dubai, Ras Al Khaimah, Umm Al Quwain and Ajman, as well as members ...

  • bond-bubble-600x360Burst of the bond bubble could leave the biggest mess of all (The National)

    The two big investment bubbles that most people worry about are stock market and property bubbles. But there is one bubble that has been growing for years, and few people aside from investment specialists seem to worry about it at all. It is known...

  • villa1Spanish villas are no longer the retirement dream as UAE enters the fray

    There was a time when retirement to a hot climate for the average expatriate pensioner meant either Florida or Spain. But because of the vast number of baby boomers that have started retiring with a vengeance, other destinations are competing for ...

  • money-300x200How expats can strike a financial balance in the UAE

    Working in the UAE can come with a higher salary than an expat would earn in their home country. But managing that money effectively is key to justifying why an individual chooses to work away from their the nation of their citizenship. Here, in the ...

  • MaxW640imageVersiondefaultAR-150509166-600x400UAE investors ponder the spectre of deflation

    To make money, you have to take a few risks. That’s the view of Mark Hutton, a British businessman living in Dubai. Accepting a little risk is particularly important in today’s low inflation world, where simply leaving money in cash merely gua...

  • MaxW640imageVersiondefaultAR-150409034How to reduce your living expenses in the UAE (The National)

    The streets are paved with gold, the sun shines year-round and it’s all tax free – or so they say. But those who look from afar do not truly understand the realities of life in the UAE. The tax-free element of signing up for a job in the UAE c...

  • article-picFinancial survival for newbies in the UAE (The National)

    We often see articles on the need to save for retirement and how we will be short if we do not save money as soon as possible in our working lives. While these are important points to consider, with an increasingly young population moving to the expe...

  • downloadKeep calm amid volatile markets to protect your assets (The National)

    In recent times low oil prices, market volatility and the start of the quantitative easing programme in Europe have come about. UAE and GCC markets have experienced volatile movements in both directions over a short period. And there has been plenty ...

  • MaxW640imageVersiondefaultAR-150229673UAE expats’ retirement funding time bomb – work harder and for longer (The National)

    UAE Residents say they do not believe their end of service gratuity will meet the needs of their retirement. That is according to a new poll from the insurer Zurich International Life. Of the 1,000 surveyed, 83 per cent said the bonus they receive, w...

  • downloadRetirement ages across the world

    A survey conducted by Wells Fargo revealed that 22 percent of the middle class Americans say they prefer an early death to retiring without enough money to help them live a comfortable life. This is just how depressing the situation has been for peop...

  • financial-planningWhy Financial Planning Is More Important Than Ever!

    From early on people are taught not only how money works but how it impacts people in different societies. Financial planning is extremely important but most people don't really understand how to financially plan for the future. For instance, in many...

  • 1421939206286The Impact of Greek Parliamentary Elections on Europe

    Five years in to the euro crises since 2009, on the 25th of January, general elections were held in Greece for the Greek parliament. The election results clearly show that Greek voters have rejected tax rises and government spending cuts, imposed by ...

  • flagalamy_2364244bAction in the Eurozone

    It is expected that the ECB (European Central Bank) is going to announce its plan to add €1 trillion into the eurozone economy to overcome the its ailing economy. he idea is to reduce the cost of borrowing by QE (Quantitative Easing) or generati...

  • credence-capitalclub-28-of-641Key Considerations of Behavioral Finance

    The central issue in behavioral finance is explaining why market participants make systematic errors contrary to the assumption of rational market participants. Such errors affect prices and returns, creating market inefficiencies. It also investigat...

  • market-volatility1Dealing with market volatility

    In the last week we have seen oil prices drop to a 5 year low with double digit falls in less than a week. This has disturbed many countries that are dependent on oil revenue such as Russia, Nigeria and Norway. The markets can be affected by numerous...

  • scotland1What would be the implications should Scotland vote ‘YES’?

    Next week the Scottish nation will take to the polls to decide whether to remain part of the UK or go it alone. Although arguments have been made from both sides of the border about who will be better and worse off, the two camps are pretty evenly ma...

  • China-Biotics-is-junk-stock-says-China-Economic-ReviewEconomic Review for the Last Week

    The European Central Bank took strong measures and dropped interest rates even more when they received growth and inflation rates that were weaker than their expectations. They decreased their deposit rate to -0.20% and interest rate to 0.05% and dec...

  • Global-Equity-marketsGlobal Equity markets at their best in August, after five months

    The trading for the month of August ended on Friday the 29th, witnessing a rise in the global equity markets, reaching their peak in five months, since February. The rise was attributed to the strong U.S. data and German bond yields rising up from th...

  • eurozone-crisisEurozone needs an unconventional approach to its economic crisis

    Mario Draghi, the head of ECB calls for more unconventional and growth friendly policies to end eurozone crisis. Within the Eurozone, it has been a long-time since the living standards were at peak. For instance, the living standards were last at ...

  • download2Bumpy Economic Outlook for the Last Week

    The economic outlook for the last week saw a cyclic pattern. The week started off positively with the economy recovering from losses from the last week. However, by the midweek the markets had started declining once again. The reasons responsible for...

  • shutterstock_businessarrowup-600x600209,000 jobs added by US economy in July

    July witnessed an addition of 209,000 jobs by US, showing that the US is on its course of economic recovery. The manufacturing and professional business services sector witnessed the biggest job gains. There has also been a slight increase in t...

  • Oxford Street, LondonWill Interest Rate Rise? As Inflation Touches Five Months High

    Recently the inflation rate in the United Kingdom has gone up with June seeing an increase in the prices of food and clothes. The consumer price index rose to 1.9% in the month of June from 1.5% in May. The expectation of an increase in the interest ...

  • fatca5A look at FATCA (Foreign Account Tax Compliance Act)

    The United States global tax law; Foreign Account Tax Compliance Act (FATCA), came into effect on 1st July 2014. The FATCA is at last here after a period of 4 years, initially developed in 2010 as an approach to make America’s corporations and p...

  • UK-economy-growing-460x250The economic recovery of the United Kingdom during the first half of 2014

    The economic growth of a country comprises of a large number of different factors and a combined effect of all the factors makes the final impact. Similarly, in order to understand the economic growth of United Kingdom, it is important to identify th...

  • 140701-140701-traders-1614_a273de7d0559501a0373154349689675-600x432Dow Jones Industrial Average Crosses Above 17,000 for The First Time Just Before The American Independence Day

    The Dow Jones Industrial Average, which is a stock index comprising of some of the biggest global companies has crossed the 17,000 mark for the first time Thursday's trading showed shares rapidly rising up, as a result of high investor confidence...

  • Lon1-600x419‘UK riskier place to do business than Qatar’

    Britain ranks lower than the controversial host of the 2022 World Cup in a new index measuring how safe countries are to do business in.   Britain is a riskier place for businesses to operate than scandal-hit 2022 Worl Cup host Qatar, accordin...

  • active-passive-investments-600x400Active or passive what’s for you

    What do active investors do?
 Active investors believe that markets are “inefficient”. They believe that at any point in time, there are always some securities that are mis-priced, enabling them to buy or sell making a profit. Professional ac...

  • 74702005_r8594dtv-600x337House prices rise as supply slows, says RICS

    A shortage of homes coming onto the market will lead to house price rises, with values expected to grow for years, according to surveyors. The Royal Institution of Chartered Surveyors (RICS) said that house prices remained on a "firmly upward trend"...

  • Savings-and-Investments-300x200Invest or Save what’s the difference?

    In a world with separation between wealthy and poor, global financial crisis, and ever changing financial landscapes it is no surprise that many investors remain cautious. There are many more factors to take in account, we are living longer, spending...

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