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      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.

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      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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      • Home
      • 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
      • Resources

        Global Living

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

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

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






          We Value Your Privacy! We will not share your email address with anyone else, period.

          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

          Explore Our Latest Posts

          • Learn how to invest and purchase property abroad…

          Go To The Overseas Property Alert Site

          • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
        • Conferences

          Upcoming Events

          • Explore Our Events Site

          International Property Summit

          Caribbean Virtual Conference

          Live and Invest In Spain Conference

          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

          LEARN MORE
          LEARN MORE
          PRE-REGISTER
          LEARN MORE
          PRE-REGISTER
          • MORE EVENTS

          Contact Our Events Team

          Toll-Free U.S. and Canada:
          1 (888) 627 8834
          From Outside North America:
          1 (443) 599 1221
          Working Hours
          Monday – Friday 08:00 am – 17:00 pm EST.

          Reach us with your questions by email at: events@liveandinvestoverseas.com

        • Store

          Unlock The World

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          • Explore Our Store
          Your passport to a life well-lived abroad

          Services

          overseas living letter offers affordable retirement guidance
          The Simon Letter Wealth Protection Insights
          Global Property Advisor Global Investment Opportunities

          Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

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          Home Investing

          3 Key Benefits Of Overseas Property Investment

          by Sophia Titley
          Jun 28, 2024
          in Investing
          0 0
          old house in Moustiers-Sainte Mairie, France

          AdobeStock/lenisecalleja

          Two core benefits of investing in property overseas are high-yield rental income and capital appreciation.

          But there’s another strategic benefit that demands your attention right now: currency diversification.

          Currency diversification means spreading your wealth across multiple currencies to protect it in case any particular currency crashes.

          People from Argentina have long understood the importance of this. During Argentina’s 2001-2002 financial crisis, Argentines with savings in banks woke up one morning to find that their account values had been decimated.

          The government removed the peg between the peso and the U.S. dollar and converted all bank accounts from dollars to pesos overnight.

          Argentines who came out financially unscathed were those who had been accumulating physical U.S. dollars and keeping as much of their wealth outside the country as possible.

          Stockpiling greenbacks in safety deposit boxes is a strategy that many Argentines employ to this day. Argentina is home to the second-highest number of physical U.S. dollar bills outside the United States (after Russia).

          It’s possible that in a few months’ time, we won’t have to look as far as Argentina for an example of the importance of currency diversification…

          The United States faces a series of events over coming months that could leave the average person who isn’t already diversified penniless and powerless, including:

          • A pumped-up stock market that’s poised for a correction…
          • A bubbling property market—of which about 25% of all buyers are speculators…
          • An irreversible price hike on everything from groceries to rent—that’s bringing middle-class Americans to their knees…

          There’s no time to delay getting your diversification plan started and avoid becoming a case study like Argentina…

          What Is Diversification?

          Diversification is taking some action offshore that helps ensure that you’re not at the mercy of any single market, economy, political landscape, government, or currency.

          It comes in many forms, from pursuing multiple residencies and citizenships to opening bank accounts in various jurisdictions, investing in varied asset classes, and holding businesses offshore.

          I’m homing in on the importance of currency specifically. Everyone agrees that you shouldn’t put all your eggs in one basket, and the same rule applies to currencies.

          Diversification into various currency baskets is a way of protecting the value of your assets from problems in one financial jurisdiction.

          For Americans, this means spreading your wealth among multiple currencies—creating stores of value and investing in cash-flowing opportunities that bring in euros, pounds, francs, and other currencies.

          How To Achieve Currency Diversification Quickly

          One of the smartest and fastest ways to achieve currency diversification is to invest in property overseas.

          This immediately moves money outside of the United States and into a different market, creating a store of value in a different currency.

          This can insulate you from risk because that market may be immune to disruption in the U.S. market and fare better than the United States during the next crisis.

          Start Your New Life Today, Overseas






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            An overseas property investment can also bring diversification of market, type of investment, and type of property… all welcome by-products on top of currency diversification.

            It’s also a bolthole that you can escape to if life becomes unbearable for you back home.

            If you invest in a rental property, you can start earning income in the local currency, providing a pool of local funds that you can dip into when you spend time in that place or if you have local bills to pay.

            This eliminates the issue of having to move money across currencies and being affected by inopportune fluctuations in the exchange rate.

            Note that not all foreign property markets bring currency diversification…

            Some countries’ economies use the U.S. dollar (Panama and Ecuador, for example). Other countries, like Belize, have their currencies pegged to the U.S. dollar.

            In other countries, though they have their own currency, real estate is traded in U.S. dollars (Nicaragua and parts of Mexico), meaning that your currency hedge isn’t as clean as it could be.

            What Diversification Is Not

            Owning different kinds of properties in different cities and states across the United States isn’t diversification if it’s all invested in the United States.

            However, neither is moving all your real estate investment capital out of the United States and placing it in any other single market—Panama, for example, or Colombia, or Brazil.

            Lief tells a story about a past conference attendee who boasted that he’d diversified his real estate portfolio overseas. He’d sold off all his U.S. real estate, which had been a sizable portfolio, and bought a bunch of properties in Nicaragua.

            He hadn’t diversified. Instead, he’d simply moved all of his real estate risk from one country to another. Now his personal wealth is completely exposed to whatever might come to pass in Nicaragua.

            A global property diversification strategy may include investments in the United States, but it must also include investments in at least two (and preferably at least three) other countries, ideally each with its own currency.

            Exchange Rate Impact

            Exchange rates will affect your purchase price, ongoing expenses, and profits upon exit if you’re investing in a country where the U.S. dollar is not the local currency.

            Using the Mexican peso as an example, it has been trading between 19 and 21 pesos per $1 in recent years. Even within this narrow band, the exchange rate impact can be significant. For a property valued at 7 million pesos, that 2-peso spread can cost or save you more than $35,000.

            Exchange rates can work in your favor, especially when the U.S. dollar is strong. The dollar hit a two-decade high against the euro in September 2022, and although it has weakened since then, it’s still at high levels relative to long-term trends.

            It also remains strong against other currencies, like the Colombian peso and the Brazilian real, enhancing your buying power in those places.

            Don’t Try To Time It

            Just like we don’t recommend buying property solely for capital appreciation, we don’t recommend trying to time property purchases with exchange rate fluctuations.

            It’s impossible to predict that you’re going to make money on a currency transaction in advance. Pay attention to property values rather than currency movements when shopping for real estate overseas.

            To smooth travels and successful property buys,

             

            Sophia Titley

            Editor, Overseas Property Alert

            Tags: 'buying property overseas''Diversification Offshore''rental properties'currency exchange
            Share89Tweet55
            Sophia Titley

            Sophia Titley

            For Sophia Titley, home is a subjective concept. She was born in Singapore but grew up in Indonesia and Saudi Arabia… and has since lived in Canada, Spain, Colombia, and, most recently, Panama. She studied political science and Spanish at the University of British Columbia, and in her free time enjoys trying new recipes, playing soccer, and salsa dancing.

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                  HOME

                  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
                  • Safety
                  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
                  • Offshore & Diversification

                  Making Money

                  • International Real Estate
                  • Banking
                  • Employment
                  • Investing
                  Meet Our Experts

                  Real Estate

                  Overseas Property Alert 

                   

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                  Discover tips and strategies used by global property investing veterans

                  READ MORE

                  Explore Our Latest Posts

                   

                  Learn how to invest and purchase property abroad…

                  EXPLORE

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                  Contact Our Events Team:

                  Toll-Free U.S. and Canada:
                  1 (888) 627 8834

                  From Outside North America:
                  1 (443) 599 1221

                  Working Hours
                  Monday – Friday 08:00 am – 17:00 pm EST.

                  Reach us with your questions by email at: events@liveandinvestoverseas.com

                  Store

                  Overseas Havens Reports

                  • Expats' comprehensive destination guides

                  Conference Kits

                  • Hours of coverage  from our latests conferences

                  Lahardan Books

                  • Titles on living and investing around the world

                  Services

                  • Overseas Living Letter: Affordable Retirement Guidance
                  • The Simon Letter: Wealth Protection Insights
                  • Global Property Advisor: Global Investment Opportunitites
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