bhspence
English expat in Vietnam
Forum posts
19
Contacts
1
About me
English
Registration: 04 April 2023
Activity
THE HABIT........
Why are you still waiting?I don鈥檛 have enough, is one of the most common things I hear:鈥淚鈥檒l start when I have more money.鈥滶specially from people early in their careers.It sounds sensible.But it鈥檚 usually the ... Read More
Financial advice for expats - any experience of using Devere? by jamesfromkent
I've been in Vietnam for a couple of years now, I'm running the VN office of a US software company. Since I've been here, I've been approach by a lot of different investment advisors / financial planners etc. I've spoken to one ...
@Cheryl Thanks Cheryl - much appreciatedBrian Read More
Financial advice for expats - any experience of using Devere? by jamesfromkent
I've been in Vietnam for a couple of years now, I'm running the VN office of a US software company. Since I've been here, I've been approach by a lot of different investment advisors / financial planners etc. I've spoken to one ...
@jamesfromkent Hi JamesI have written a number of posts re finance, why not take a look. Happy to have an informal chatBrian Read More
If I knew then what I know now... by bhspence
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ...
Somewhere in a loft or cupboard lies my greatest unrealised investment return. I just have no idea where.In 1966, when England won the World Cup for the one and only time, the government issued first-edition commemorative stamps. I must have been ... Read More
Picking up from earlier鈥�
IFA + COVIDPicking up from earlier鈥 started with what I knew 鈥� financial advisory work for expats.It made sense.For a while, it worked.Then COVID arrived.Almost overnight, the expats disappeared and the business stopped.It wasn鈥檛 ... Read More
If I knew then what I know now... by bhspence
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ...
@Dannyroc3 That鈥檚 a great reflection 鈥� and I think you鈥檝e hit on something important.Most people don鈥檛 start with a clear plan. They move through exactly what you described 鈥� bank advice, managed funds, trying different ... Read More
If I knew then what I know now... by bhspence
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ...
That鈥檚 a great example 鈥� thank you for sharing it so openly.A couple of things really stand out.The turning point wasn鈥檛 a complex investment strategy 鈥� it was getting control of spending and creating a surplus. Everything ... Read More
If I knew then what I know now... by bhspence
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ...
@OceanBeach92107Hi O.B.,Great to hear from you 鈥� and thank you, I really appreciate your message.It sounds like you鈥檝e done exactly what most people struggle to do 鈥� you鈥檝e brought structure, discipline, and shared purpose ... Read More
If I knew then what I know now... by bhspence
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ...
I鈥檒l be honest 鈥� when I first looked at markets, savings, investing鈥� it all just felt like noise.Charts moving up and down. Headlines changing every day. Everyone sounding like they knew what was coming next.I didn鈥檛 feel ... Read More
If I knew then what I know now... by bhspence
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ...
I鈥檒l be honest 鈥� when I first looked at markets, savings, investing鈥� it all just felt like noise.Charts moving up and down. Headlines changing every day. Everyone sounding like they knew what was coming next.I didn鈥檛 feel ... Read More
If I knew then what I know now... by bhspence
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ...
@PhuNinhTim That鈥檚 a great story 鈥� and a powerful reminder of how one moment, one conversation, can shape the rest of your life.What stands out is not just the decision itself, but the timing. You were at a genuine crossroads, and you ... Read More
If I knew then what I know now...
One of the more common issues I see with expatriates is delayed pension planning.Strong income years often pass without a clear structure in place.The impact is rarely immediate 鈥� but becomes significant over time.Those early years matter more ... Read More
Expats in Vietnam 鈥� what should you have in place after 5鈥�10 years? by bhspence
I鈥檝e been speaking to a number of expats recently who have been in Vietnam for 5鈥�10 years, and it raised a question.At that stage, what should you realistically have in place financially?Most people seem to be earning well and saving ...
Interesting perspective 鈥� but worth being careful here.Making big financial decisions just to reduce what others might receive can sometimes create more problems than it solves, especially around tax or long-term security.In most cases, a ... Read More
Expats in Vietnam 鈥� what should you have in place after 5鈥�10 years?
I鈥檝e been speaking to a number of expats recently who have been in Vietnam for 5鈥�10 years, and it raised a question.At that stage, what should you realistically have in place financially?Most people seem to be earning well and saving ... Read More
Financial advice for expats - any experience of using Devere? by jamesfromkent
I've been in Vietnam for a couple of years now, I'm running the VN office of a US software company. Since I've been here, I've been approach by a lot of different investment advisors / financial planners etc. I've spoken to one ...
@jamesfromkent Hi JamesTime has gone now but I am interested to know if you found financial advice that you were happy with.SincerelyBrian Read More