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Investing
The Stock Market: A Simple Guide for New Investors
Dive into stock market investing insights from James Nicholas at Skybound Wealth. Optimize returns with expert guidance for expat investors.
July 23, 2024
In this edition of the Expat Investor Podcast, we're diving deep into the world of property investment with your host, Tom Pewtress, Global Head of Proposition at Skybound Wealth Management, and special guest Simon Athwal, a seasoned financial adviser with many years of experience in the Middle East.
In this episode, Tom and Simon tackle one of the most frequently asked questions in the world of wealth management: Why is property such a popular asset class? They explore the tangible allure of real estate, the cultural influences driving property ownership in the UK, and the historical performance that makes property a reliable long-term investment.
Tom and Simon break down the concept of leverage in property investment, illustrating how you can control a large asset with a relatively small capital outlay. They discuss how leveraging can significantly amplify returns and why it’s such a powerful tool for building wealth over time. Using practical examples, they demonstrate how even modest increases in property value can yield substantial returns when leveraged correctly.
Understanding debt is crucial to successful investing. Tom and Simon delve into the differences between good debt and bad debt, particularly in the context of property mortgages. They compare interest-only and capital repayment mortgages, providing insights into which might be best depending on your financial goals and life stage. They also discuss the importance of having a robust financial plan, especially when dealing with leverage and long-term debt.
While property is a strong investment, Tom and Simon caution against over-reliance on any single asset class. They discuss the importance of diversification, explaining how spreading investments across different assets can protect against market volatility, maintenance costs, and rental income fluctuations. The duo also highlights specific risks within the UK property market, such as interest rate fluctuations and tax implications, and how to mitigate these risks.
Are you considering investing in off-plan properties or completed ones? Tom and Simon explore the pros and cons of each, helping you understand which option might align best with your investment strategy. Whether you’re early in your wealth accumulation journey or looking for immediate rental income, they provide valuable insights to guide your decision-making.
For those planning for retirement, this episode offers essential advice on creating reliable income streams through property investment. Tom and Simon explain how property can serve as a stable source of income that complements other investments, helping to extend the longevity of your retirement savings. They also discuss property as a hedge against inflation, ensuring your income keeps pace with rising costs.
Tune in to this insightful episode as Tom and Simon share their expertise on making the most of property as an investment. Whether you're a seasoned investor or just starting, their discussion will equip you with the knowledge to navigate the complexities of property investment and integrate it effectively into your broader financial strategy.
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This was recorded on the 10th August 2024 and all information was correct at the time of recording. As always this podcast is for educational purposes only and is not a personal recommendation. If you’re unsure what’s right for you, you should seek advice. Past performance isn’t a guide to the future, and investments rise and fall in value so you could get back less that you invest.
A dynamic international Financial Advisor who has spent many years providing cross border advice to expats, focussing on holistic financial planning across different jurisdictions. Tom works alongside international workers like you to create and implement a comprehensive plan designed to ensure your long-term goals become a reality and your future lifestyle is protected.
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