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    • Countries

      Top Destinations:

      Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

      • Spain
      • Portugal
      • Panama
      • Belize
      • Colombia
      • Cyprus
      • Mexico
      • France
      • Montenegro
      • Browse All Countries

      Best For:

      • The Best Places To Retire
      • Health Care Abroad
      • Cost Of Living
      • Investing in Real Estate
      • Establishing Residency
      • Gun Laws In The World
      • English-Speaking Countries
      • Safest Places For Retirement
      • Best Places In Latin America
    • Budgets

      How Much Will It Cost You To Live Overseas?

      The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
      • Paris, France
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      Follow Us:

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      Overseas Property Alert

      Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






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        Buying Real Estate For Cashflow

        • Discover tips and strategies used by global property investing veterans

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        Home How to

        How Diversifying Into Real Estate Can Help Your Portfolio

        In Times Of Crisis, You Need Better Than Mainstream Advice—Here’s Ours

        by Lief Simon
        Nov 17, 2020
        in How to, Investing, Offshore
        0 0
        Businessperson's Hand Holding Arrow Over Stacked Coins With House Models. Real estate investment concept.

        iStock/Kanjana Jorruang

        Over the weekend I read one of those Q&A articles in a mainstream financial publication.

        A reader had written in to ask how he should invest a windfall of US$250,000.

        The answer was typical mainstream financial advice that boiled down to:

        Determine your level of risk tolerance based on your age and then allocate some percentage of the US$250k to stocks and the balance to bonds.

        Financial editors must know that the investment world includes more than stocks and bonds. Nevertheless, rarely do you hear them talk about anything else. It’s what they know and something they’re able to write about every day… whether what they write warrants publication or not.

        Telling someone who just came into a windfall of US$250,000 to split the money between stocks and bonds (60% stocks and 40% bonds was used as an example) is one way to start a quick and easy (I’d say superficial) conversation about risk and diversification, but it is a far cry from actually helping someone diversify.

        [Other Investing Options ]

        Gold, a precious metal.
        iStock/Oat_Phawat

        In addition to stocks and bonds (and the mutual funds that invest in them), any investor with capital has opportunities to invest in precious metals, strategic and rare earth metals, commodities, currencies, and real estate… both at home.

        With real estate you should be able to generate a net yield of at least 5% to 8% a year from a rental property. In addition, that property should, in most cases, appreciate at least at a rate that allows you to keep up with inflation, depending on the market.

        It’s not as easy to invest in a rental property as it is to invest in a stock, of course. Plus, rental properties require you to find tenants, collect rent, pay utility bills, make repairs, etc.

        However, just as a mutual fund comes with a manager who builds and manages the stock portfolio, you can hire a property manager to handle all aspects of your rental property. You don’t have to fix the leaking toilet yourself if you don’t want to.

        What about high dividend paying stocks or REITs that can pay out as much as 15% or more in annual dividends? The volatility of those investments is greater than the volatility associated with owning a rental property. Still, REITs can have a place in a diversified portfolio.

        Real estate investments also require more cash up-front than a stock portfolio. And we don’t all have a US$250,000 windfall to play with.

        That said, I know a half-dozen property investments right now that you could get into with less than US$50,000… including at least one that requires less than US$25,000…

        All of these diversification opportunities are being presented to attendees at my Offshore Wealth Virtual Summit this week…

        Tags: 'Diversification Offshore''Invest Offshore''real estate overseas'How To Invest OverseasLief Simonprecious metals investmentrare earth metals investment
        Share83Tweet52
        Lief Simon

        Lief Simon

        Lief Simon has lived and worked in 7 countries on 5 continents and traveled to more than 75 countries. His real estate investment career began with a $5,000 down payment on a three-flat building in Chicago. Less than three years later, Lief sold the building for a leveraged return of 3,000%—$150,000 in profit after closing costs and commissions.

        From there, he turned his attention overseas and has bought property in 24 countries including France, Croatia, Portugal, Ireland, Belize, Spain, Argentina, Cyprus, Romania, and beyond. Thanks to his decades-long career as a global property investor, Lief has built a multi-million-dollar portfolio that includes rental properties, significant land holdings, and 7 personal residences.

        Lief has established residency in 3 countries and acquired a second passport from Ireland.

        In 2008 Lief and wife Kathleen Peddicord made the most important investment of their lives—a 215-acre oceanside finca, known as Los Islotes. There, on Panama’s largely undiscovered Veraguas coast, they’ve installed underground electricity, water, and internet and built a forever family home that sits at the heart of their ultimate vision: a gold standard private residential community for those in search of a true safe haven escape.

        Lief’s latest book, “Cowboy Millionaire—The New American Pioneer,” collects all the wisdom he has learned in three decades of living and investing outside America.

        He offers advice on international diversification in his twice-weekly Offshore Living Letter and monthly Simon Letter dispatches. For real estate investment opportunities, check out his monthly Global Property Advisor service.

        If you’d like to meet Lief in person, join him for one of our upcoming in-country conferences. You’ll find further details here.

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          Top Countries

          • Spain
          • Portugal
          • Panama
          • Belize
          • Colombia
          • Cyprus
          • Mexico
          • France
          • Montenegro

          Best For:

          • Health Care Abroad
          • Retirement Living
          • Cost Of Living
          • Investing in Real Estate
          • Establishing Residency
          • Gun Ownership
          • English Speakers
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          BROWSE ALL COUNTRIES

          Budgets

          How Much Will It Cost
          To Live Overseas?

          Super Cheap

          • Chitré, Panama
          • Santa Marta, Colombia
          • Phuket, Thailand
          • Dumaguete, The Philippines

          Cheap

          • Medellin, Colombia
          • Boquete, Panama
          • Kyrenia, Cyprus
          • Hua Hin, Thailand
          • The Algarve, Portugal

          Affordable

          • Valencia, Spain
          • Cascais, Portugal
          • Las Terrenas, The DR
          • Pisa, Italy
          • La Rochelle, France
          • Mazatlán, Mexico

          Luxury

          • Ambergris Caye, Belize
          • Kotor, Montenegro
          • The Panama City Beaches
          • Paris, France

          Resources

          Global Living

          • Living & Retiring Overseas
          • Raising A Family Abroad
          • Foreign Residency & Citizenship
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