Saving & Investing for Kids

We know that 529s aren’t typically a great option for Americans in the UK, but you want to save some money for your kids – maybe for university, a first home deposit, or other long term goals, right? And maybe their grandparents want to start some kind of savings for them, too? I’ve put together

US and UK Taxes – Which are higher?

The UK, right? Lots of people make the assumption that the UK is a high tax country, with a generous social safety net funded from those high taxes (some people I know would disagree with how generous – more than the US in a lot of cases, at least, but no Norway!). I wanted to

US Employer Pensions (401(k), etc.) (Account Options)

This is a big one – it might be limited in your ability to contribute moving forward, but for many Americans who move to the UK after starting their career in the US, you’ve got one or more employer pension accounts, possibly with substantial balances. For our purposes, the rules are pretty much the same

My Asset Allocation (Part 2)

14Apr21: I edited my approach to where to put bonds, based on my post on Required Minimum Distributions. In Part 1, we discussed the first three of my six steps for asset allocation: Why are you investing? What are the goals? What broad asset categories do you want to invest in? Stocks vs bonds, US,

My Asset Allocation (Part 1)

Many of you will already be familiar with the idea of asset allocation – I don’t need to repeat the excellent explanations already out there (here’s a great primer from Bogleheads), but I did want to explore how I arrived at my own asset allocation and how you might go about thinking of yours. I

The US/UK Tax Treaty

Big caveat up front: I am not a lawyer! This is 100% a layman’s reading of the tax treaty – it’s entirely up to you to confirm my interpretations. I’ve tried to call out situations where there are various interpretations so you can make your own judgment or seek out professional advice. Don’t try to

S&S ISA Experiment – Getting Started

One of the triggers that got me started with this site was my recent experience of opening a Stocks & Shares ISA. I’d like to share my experience so far with all of you, in the hopes it might help if you’re in a similar situations. I’ll also post periodic updates, to see how this

Before You Move

I’ve put together this list of things you might want to do if you’re a US citizen thinking of moving to the UK, but you haven’t left the US yet. Not all of these are required, and the list can’t be 100% comprehensive for everybody’s individual situation, but it might save you some serious pain.