Property loan notes have gained traction among investors looking for alternatives to traditional real estate investments. As the European property market continues to recover, retirees and expats are looking for ways to invest their funds. Let's talk about the outlook of the property loan notes in Europe. First up - What are property loan notes? Property loan notes are debt instruments issued by property developers or companies. They offer investors a fixed return over a set

The Bank of England (BoE) has signalled a potential interest rate cut in August, a big shift in UK’s monetary policy. This move could be the first reduction in borrowing costs in over four years. During the same June meeting, the BoE’s rate-setting committee voted 7-2 to maintain the current rate of 5.25%, a 16-year high. However, the meeting minutes revealed a notable change in tone, hinting at a possible rate cut at their next meeting on 1 August. This potential policy shif

Property loan notes have become some of most sought-after fixed-interest investment products for expats, particularly in the UK and Europe. In a diversified portfolio, property investors also consider real estate investment trusts (REITs). But which option is better suited for expats? In this article, we'll cover what you need to know to make an informed decision. Get to Know Property Loan Notes Property loan notes are financial instruments used to raise development capital

As an expat living in Europe, you've likely encountered a variety of investment options. While traditional fixed-income products like bonds offer stability, loan notes can potentially provide higher returns. However, you must do due diligence to protect your hard-earned capital. Get to Know Loan Notes A loan note is essentially an IOU you (as an investor) issue to a company (the issuer). With a debt created, the company promises to repay the principal amount along with intere

At its June 6, 2024 meeting, the European Central Bank slashed interest rates by 25 basis points down to 3.75%. It’s the first time that ECB has cut rates since 2019, putting it ahead of the Bank of England and US Federal Reserve. More importantly, the much-awaited decision is a good sign for expat investors , particularly those interested in bonds and fixed-income investments. In this article, we'll cover what you need to know about navigating the bond market off the back of

The bond market has experienced quite some fluctuations, especially in the past few months. But interest rate cuts by central banks in Europe could boost bond prices. This could lead to more favourable return outlooks for existing and early-bird bond investors. Today, we’ll look at what expats in Europe investing in bonds need to know about what lies ahead. Divergence in Monetary Policies The economies of Europe and the United States are witnessing a notable divergence, driv

Diversification is vital for managing investment risk. Fixed-interest investments offer a steady income stream, making them a favoured choice for expats in Europe. Among the options are loan notes – an alternative worth considering for those with a higher risk appetite. Understanding Loan Notes Loan notes function like bonds, as they are both fixed-interest debt instruments. An investor (lender) provides capital to a borrower (often a developer). The borrower agrees to pay fi

As an expat in Europe, relocating to a new country opens opportunities to perk up your investment portfolio. Portugal, in particular, offers expats attractive tax benefits through investment and savings products, such as the Portuguese Investment Bond. This unique product provides a tax-efficient vehicle to grow wealth while enjoying the Portuguese expatriate lifestyle. What is the Portuguese Investment Bond, and How Does It Work? The Portuguese Investment Bond (PIB) is a sin

As an expat in Europe, property investment loan notes offer an alternative way to balance your investment portfolio. These investment products provide exposure to the UK and European real estate markets while delivering potentially lucrative returns and tax benefits. This brief gives you a quick overview of the important things you need to know about investing in property loan notes as an expat. What are Loan Notes, and How Do They Work? Most investors have come across an IOU

As an expat in Europe, bonds can be a valuable part of building a diversified investment portfolio. But what exactly are bonds, and how do they work for expat investors? Here's what you need to know about this fixed-interest product. What Are Bonds and How Do They Work? Bonds are debt securities or instruments that allow governments, municipalities, and corporations to raise capital and fund their projects by borrowing from investors. They are the most common type of fixed-in