Lisa Smith, Editor and Writer

Expat for over 15 years with my wonderful two children. A teacher and a writer and in my spare time (which is very little) a surfer. You can usually find me at the beach or in a cafe reading or writing. Currently doing a great deal of research and reading in to expat pension and retirement plans such as QROPS and QNUPS. I would love to hear your comments on any article I write, it really does fuel my passion for journalism :)

Week in Expat Money Matters 15th September – 21st September 2014

Below are the articles from last week, documenting events from the world of expatriate finance, as reported on iExpats and from other places across the web: From iExpats.com: Cheap Money Keeps Rates Down For Expat Savers Interest rates on savings are at their lowest for over two years as banks don’t currently feel the pressure […]

Dragons Can Breathe Fire Into A Start Up Business

Dragons Can Breathe Fire Into A Start Up Business

Small business start-ups are not so much about the money but want the expertise and contacts of business angel investors to take them to another level. Entrepreneurs have changed tack with the advent of the Seed Enterprise Investment Scheme (SEIS) and crowdfunding. They are looking for cheap exposure and PR more than the money – […]

NHS Pensions in Total Disarray, QROPS May Help

NHS Pensions in Total Disarray

To add to the misery of NHS pension holders – some who have witnessed a benefit reduction of up to 13% in just 10 years – an error in pension statement production has resulted in many GP’s being informed that they have exceeded their annual tax allowances by thousands of pounds. Around a quarter of […]

Gary Barlow Apology For Tax Avoidance Troubles

Gary Barlow Apology For Tax Avoidance Troubles

Take That pop star and former X Factor judge Gary Barlow has apologised to his fans for his involvement in an illegal tax avoidance scheme. Barlow has posted an open message on Twitter saying he is sorry for any offence he may have caused and stating he has appointed new accountants to sort out his […]

Executives Take Cash Instead Of Pension Top-Ups

Executives Take Cash Instead Of Pension Top-Ups

Caps on annual and lifetime allowances are leading FTSE100 companies to pay directors cash rather than contribute to their pensions. Britain’s top 343 directors pocketed a cool £32.7 million last year in cash instead of seeing the money go into their pensions. The figures were released by the TUC, which monitors FTSE100 retirement plans for […]

UK Equity Is The Big Winner With Investors

UK Equity Is The Big Winner With Investors

Fund net retail sales were almost £2 billion in July, according to the latest figures from trade body the Investment Management Association (IMA). UK equity income funds were the big winners, picking up £1 billion of net investment, while tracker funds hit a new peak with net sales of £532 million. Other top sellers were: […]

Russia Struggles To Cope With Rising Inflation

Russia Struggles To Cope With Rising Inflation

Worsening fighting in The Ukraine is stressing the Russian economy, with rising inflation and a weakening rouble pushing up prices for businesses and consumers. Sanctions imposed as a result of the conflict are starting to bite and moves to lessen the impact are having mixed results. With inflation up 1.7% since June to 7.8%, President […]

The Future for Property Investment

The Future for Property Investment

Property investment is viewed by some as a long-term route to a potential goldmine, by others as a labour-intensive route to very little, but by the majority as an important asset within a portfolio of diversified investment. However, with the increase in popularity of a new concept in property investment, these perspectives could be set […]

Annie Eve’s Perfect Pitch Wins SEIS Deal

Annie Eve’s Perfect Pitch Wins SEIS Deal

The Seed Enterprise Investment Scheme (SEIS) is hitting the right note for musician Annie Eve. Annie’s new album Sunday ’91 is funded by cash from the Sound Wave SEIS to the tune of £150,000. She spent the cash on setting up her own record label Mouth To Mouth under a distribution deal with Sony Red. […]

QROPS Qatar Getting Regulated Financial Advice

Qatar QROPS Getting Regulated Advice

As Qatar emerges from the shadows of the UAE and the Kingdom of Saudi Arabia, the world’s richest country suddenly appears to have great appeal to expats, but how does a QROPS work in this exciting new territory? For those looking to further their careers in a lucrative tax-free move to the Middle East, Dubai […]

James Green Heads Up Devere Group Financial Advice in Qatar

James Green Devere Group

Qatar is undoubtedly the burgeoning destination in the Gulf region. Its rapid expansion and investment in infrastructure – in no small part thanks to the hosting of the FIFA World Cup 2022 – has led to new opportunities for expatriates, as more and more huge corporations are attracted to the oil-rich Arab state. Qatar is […]

Will Your Savings Strategy Fit Your Retirement Plans?

Will Your Savings Strategy Fit Your Retirement Plans

Traditional thinking suggests retirement savers should put enough money aside to replace 80% of their income when they give up working. But modern financial planning is starting to reconsider if the strategy really works. The problem is longevity. If a retirement saver knew how long they were going to live, saving for retirement would be […]

Top 10 Most Expensive Shares In The World

Top 10 Most Expensive Shares In The World

Shares in billionaire Warren Buffet’s retail to railroad conglomerate Berkshire Hathaway have shattered the record £120,000 a share glass ceiling for the first time for any company. However, Berkshire Hathaway is not the only company to have shares valued in the thousands even though Buffet’s firm is the first to reach so high. A look […]

Peer-To-Peer Lending – How To Get Involved

Peer-To-Peer LendingHow To Get Involved

Peer-to-peer lending or crowdfunding is managed by a sophisticated online platform that matches private lenders with borrowers. Lenders need to minimise risk and maximise profits, so the problem is working out which platform best meets these requirements. To help, here’s a run-down of three of the most popular peer-to-peer lending sites – but remember the […]

Osborne Sticks QROPS Ban On Public Pensions

Osborne Sticks QROPS Ban On Public Pensions

Civil servants and public sector workers thinking of retiring overseas and taking their pensions with them will shortly be barred from switching to a Qualifying Recognised Overseas Pension Scheme (QROPS). Chancellor George Osborne has made clear that any transfers out of unfunded defined benefit schemes for thousands of public sector workers will stop from April […]

Navigating the Pension Minefield

Navigating-the-Pension-Minefield

Life is full of choices, every day we make decisions based upon knowledge accrued previously, but when there are too many options – and options within options – things can get confusing, and the requirement for consultation and research becomes prevalent. The right pension scheme choice depends upon personal circumstance, and indeed there is a […]

What’s Best TO Invest – Crowdfunding or SEIS?

What’s Best TO Invest – Crowdfunding or SEIS?

One question entrepreneurial investors have to weigh up is what to choose – crowdfunding or the Seed Enterprise Investment Scheme (SEIS)? Both are alternative investment routes for start-up businesses but SEIS offers much more protection against risk. SEIS is the ultimate tax wrapper for investors looking for financial safeguards, high returns and minimal risk. Crowdfunding […]

QROPS Tracker: August 15, 2014

QROPS Tracker

The leading Qualifying Recognised Overseas Pension Scheme (QROPS) financial centres have a new rival making huge strides up the list of top providers. Gibraltar now offers 40 QROPS pensions – with 20 opening in the past 12 months. If providers keep opening new schemes at the same rate, Gibraltar should rank in the top 10 […]

Time For Overseas Workers To Make QROPS Decisions

Time For Overseas Workers To Make QROPS Decisions

International workers with British pension rights need to make some careful decisions about their retirement savings. As a new era of early pension access in the UK approaches from April 2015, some of the financial factors affecting pension funds in Britain by workers from overseas are changing. But just how they impact on individuals is […]

SEIS CGT Solution for Property Investors

SEIS CGT Solution for Property Investors

Property investors looking to sell up but worried about the capital gains tax implications can consider the Seed Enterprise Investment Scheme (SEIS). Capital gains tax (CGT) woes are a common worry for property investors who have held a buy to let or house in multiple occupation (HMO) for some years. But SEIS is an option […]