How Black Swan Capital helps you make good money decisions
When you embark on life as an expat, the everyday can be exciting. Daily exposure to cultural differences can make the mundane seem new and fun. The downside to this can be the stress of not knowing how things are done in your new home country. Managing your money is one area where this lack of local knowledge can have a material impact, and where it is vital to understand the details.
Black Swan Capital has a deep understanding of life in the Netherlands, the markets, and the specific aspects you need to consider as an expat. Here is how they can help you make informed decisions about your money.
Thinking ahead
The first way Black Swan Capital helps is by constructing and implementing a plan specifically for you and for where you are right now in your life.
Whether you are adapting a previously well-thought-out plan to your new life abroad or taking the opportunity of your change in circumstances to establish some objectives and structures, similar principles apply.
Black Swan Capital considers and centres all actions around your objectives, what you are trying to achieve in both the short and the long term. The plan needs to adapt to where you are living now, consider the impacts of the passport you hold, and any other reporting or tax obligations you might have around the world.
There are many other layers of consideration, not least that most expats need flexibility and liquidity with their investments - the ability to make changes as life changes, without stress and without access restrictions or penalties. Black Swan Capital specialises in working with international professionals, and its team members are all expats as well.
Focus on clear signals
The second way that the expertise of Black Swan Capital really adds value is by blocking out the constant noise.
At any given point, and this has been true for the entire 25 years Black Swan Capital has been operating, there is always something happening that has an influential impact on the markets and short-term investment returns. This is especially so in 2025.
These events are often described as extraordinary, but if we take a step back and look at the longer term, we see there is a consistent sequence of events, one after the other. Some are positive, some negative. For this to make sense, we need to agree on the principle that investment markets do rise over time, but not in a straight line.
Contact Black Swan Capital to keep your investments on track
Another way to say this is that time reduces volatility and the likelihood of losses. What looks like bumpy markets across a short time period, such as a month, can be smoothed out when viewed over a longer time period, like 10 years.
Black Swan Capital helps you by interpreting, distilling and applying relevant information while excluding noise, keeping you on track to your financial goals.
Remember your ultimate goal
The third way Black Swan Capital helps is by ensuring that you adapt and stay on track with your goals, and avoid the pitfalls of investor biases, like momentum investor bias.
What is momentum investor bias
When we shop, we are quite comfortable with the idea of buying items when they are on sale rather than when they are at their highest price. When it comes to investing, though, if we follow the momentum investor bias, we are much more inclined to wait until an investment has already increased in price before investing.
It is not difficult to understand the rationale: If we wait until something has increased in price, it feels like a proven and safer investment - it has a track record. What it often actually means is that you are buying at the top of the market.
One of the most often repeated phrases when giving financial advice is that past performance is no guarantee of future performance. Just because an investment has risen in value does not mean it will continue to rise at the same rate.
Following this pattern, the investor bias kicks in again when prices drop, meaning we may be less likely to buy, even though one could consider that asset as being "on sale". In fact, we may even feel inclined to sell. The momentum investor gets increasingly worried as prices drop.
Long-term objectives are key
Black Swan Capital is a firm believer that it is not possible to consistently and accurately time investment markets. They believe there is much more value that you can add to your investment (at a considerably lower risk) by consistently following a structured plan across market cycles, with intelligently informed tactical adjustments, than there is in trying to time peaks and troughs.
It is important to remember that the purpose of investing is to achieve your long-term objectives. Investing is a means to an end, not the end in itself. If your focus is the long term, focus on the long term.
Get advice from the experts
Seeking advice from qualified professionals can have a profound impact on your life now and into the future: Black Swan Capital does this every day, and is excited to help you achieve your goals. Feel free to visit www.blackswancapital.eu for more information or contact them directly for an initial discovery call at no cost by emailing info@blackswancapital.eu.