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Looking for a smoother ride in choppy waters

But there is a risk here. America still relies on the rest of the world as much as the rest of the world relies on America – attempting to reset the terms of global trade too hard in America’s favour might derail the economies of other countries.

So, what can you do to protect investments you already have against the volatility that we are experiencing, well firstly and most importantly make sure that your investment portfolios are as diversified as possible, across Asset Class, Sector and Country. Don’t be tempted to put all your eggs in one basket.

Look for Global dividend (income) funds, that are paying good income. Don’t be tempted to panic and sell funds when the markets are turbulent, remember the long-term potential, yes volatility can be scary, but patience will pay off, investing is for the medium to long term, 5 years plus. It is not a get rich quick scheme.

For investors looking to enter the market, the drop in the markets offers an excellent buying opportunity and realistically is the only option to achieve growth greater than inflation, as interest rates across the EU and the UK look to remain well below inflation for the foreseeable future.

So, if you are new to investing or would just like less risk and a smoother ride, there are investments out there that apply smoothing thereby giving you some cushion against volatility. This is an investment option so you can sleep easy at night.

This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication is correct, we are not responsible for any errors or omissions.

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Brits Urged to Take Up German Citizenship

German crowdExpatriate Brits living in Germany have been advised to look into the possibility of becoming German citizens, as, amongst other things, naturalisation is likely to make the practicalities of Germany wealth management more straightforward.

Expat group British in Germany has said that British people living in the country should act quickly as it will likely be harder to achieve citizenship if the UK leaves the EU on March 29 2019 without a deal. In the event a deal is reached, Brits will have until 31 December 2020 to apply for dual citizenship, according to Germany’s foreign ministry.

Effectively, this means that if Brits want to be able to ensure dual citizenship, they must act quickly as a no deal scenario could mean they have to renounce their British citizenship if they wish to become German citizens. The sooner Brits attend the Ausländerbehörde (Foreigners’ Registration Office) for advice the better their chances of securing a favourable outcome.

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EU Expat Pensions Receive EIOPA Reassurance

Map of EuropeLast year the Association of British Insurers (ABI) provoked something of a panic among British expats in Europe. Those who in some way rely on insurance products, such as annuities and life insurance, for the payment of income and expat pensions were understandably alarmed when Huw Evans of the ABI said that a no-deal Brexit could leave insurance contracts in legal limbo because of a risk that payments could not be fulfilled for contracts written pre-brexit. (Read more in our blog.)

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