<rss xmlns:content="http://purl.org/rss/1.0/modules/content/" version="2.0" xmlns:media="http://search.yahoo.com/mrss/"><channel><id>UL17cPfKOTbTdmVfpK2O</id><title>Bratu Capital</title><description>RSS feed of blogs published with Bratu Capital</description><language/><lastBuildDate>2026-05-11T11:07:32.911Z</lastBuildDate><copyright>Copyright (c) 2026 Bratu Capital, Inc. All Rights Reserved.</copyright><link>https://bratucapital.com/</link><image><title>Bratu Capital</title><link>https://bratucapital.com/</link><url>https://msgsndr-private.storage.googleapis.com/locationPhotos/abab7763-b708-4c9e-9596-4756a87d35c8.png</url></image><item><title>US-China Geneva Deal: How the 90-Day Tariff Reset Changes the Risk Map for Expats in Southeast Asia Before May 14</title><link>https://bratucapital.com/post/us-china-geneva-deal-tariff-reset-sea-expats-may-2026</link><guid>https://bratucapital.com/post/us-china-geneva-deal-tariff-reset-sea-expats-may-2026</guid><description><![CDATA[The US-China 90-day tariff framework cut combined rates to ~30%. With the Trump-Xi summit May 14-15, here's what SEA expats must do before Beijing.]]></description><pubDate>2026-05-11T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/></item><item><title>Singapore's Wealth Fee Surge: What OCBC's 34% and DBS's 25% Jump Mean for European Expats Choosing Between KL and the City-State</title><link>https://bratucapital.com/post/singapore-wealth-management-fees-surge-expats-2026</link><guid>https://bratucapital.com/post/singapore-wealth-management-fees-surge-expats-2026</guid><description><![CDATA[OCBC wealth management fees jumped 34% to S$422M in Q1. DBS rose 25%. Here's what Singapore's wealth boom means for European expats choosing between KL and Singapore.]]></description><pubDate>2026-05-11T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/></item><item><title>Iran Rejects the US Nuclear Deal: Why $100+ Oil Is Now the Structural Base Case for Expat Financial Planning</title><link>https://bratucapital.com/post/iran-nuclear-deal-rejection-100-oil-base-case-expats-2026</link><guid>https://bratucapital.com/post/iran-nuclear-deal-rejection-100-oil-base-case-expats-2026</guid><description><![CDATA[Iran's May 10 rejection of US peace terms ends the 'maybe they'll deal' narrative. Here's what structural $100+ oil means for European expats in Southeast Asia.]]></description><pubDate>2026-05-11T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/></item><item><title>US Tariff Court Ruling: What Dollar-Earning Expats Must Do Now</title><link>https://bratucapital.com/post/us-tariff-court-ruling-dollar-expat-portfolio-2026</link><guid>https://bratucapital.com/post/us-tariff-court-ruling-dollar-expat-portfolio-2026</guid><description><![CDATA[The US court struck down 10% global tariffs and mandatory refunds start this week. EU auto duties hit 25%. Here's what expats in Asia must know.]]></description><pubDate>2026-05-10T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/ede5455a-b97f-43f2-a100-18ce934ec8d2.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/ede5455a-b97f-43f2-a100-18ce934ec8d2.png" type="image/png"/></item><item><title>Iran MOU Silence: Why MYR and SGD Are the Most Exposed Currencies If Oil Spikes Again</title><link>https://bratucapital.com/post/iran-mou-silence-myr-sgd-expat-currency-risk-2026</link><guid>https://bratucapital.com/post/iran-mou-silence-myr-sgd-expat-currency-risk-2026</guid><description><![CDATA[Iran's 48-hour peace MOU deadline passed without response on May 8. Brent sits at $101 with an $85-$110+ range. Here's why MYR and SGD carry the most concentrated downside risk.]]></description><pubDate>2026-05-10T00:00:00.000Z</pubDate><category>FX</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/61d13350-b084-4d61-9e7a-935485679b63.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/61d13350-b084-4d61-9e7a-935485679b63.png" type="image/png"/></item><item><title>The Malacca Strait Is Becoming as Risky as Hormuz: What Expats in Malaysia and Singapore Must Know</title><link>https://bratucapital.com/post/malacca-strait-piracy-2026-expat-costs-malaysia-singapore</link><guid>https://bratucapital.com/post/malacca-strait-piracy-2026-expat-costs-malaysia-singapore</guid><description><![CDATA[16 piracy incidents in the Singapore and Malacca Straits in 2026 YTD. Marine insurers are repricing. Hormuz rerouting has increased both volume and risk in this corridor. Here is what it means for expat costs in KL and Singapore.]]></description><pubDate>2026-05-10T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/a1a7f340-d281-4143-b07e-d18955b9be86.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/a1a7f340-d281-4143-b07e-d18955b9be86.png" type="image/png"/></item><item><title>Thailand Foreign Income Tax 2024: What Every Expat Needs to Know</title><link>https://bratucapital.com/post/thailand-foreign-income-tax-2024-expat-guide</link><guid>https://bratucapital.com/post/thailand-foreign-income-tax-2024-expat-guide</guid><description><![CDATA[Thailand's Por 161/2566 rule ended the one-year lag on foreign income. Learn what changed in 2024, who is affected, LTR visa exemptions, and how European expats should plan.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>FX</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/da62c8d5-fa3c-4016-aed2-336ea28dd188.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/da62c8d5-fa3c-4016-aed2-336ea28dd188.png" type="image/png"/></item><item><title>UK Pension Transfer from Singapore: Your Options in 2026</title><link>https://bratucapital.com/post/uk-pension-transfer-singapore-options-2026</link><guid>https://bratucapital.com/post/uk-pension-transfer-singapore-options-2026</guid><description><![CDATA[Singapore removed itself from the QROPS list in 2017. British expats in Singapore use SIPPs, the Singapore-UK DTA pension article, and NT coding to manage UK pension drawdown tax-efficiently.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Pension</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/325cbf01-5c59-4a08-8960-37a5621f6015.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/325cbf01-5c59-4a08-8960-37a5621f6015.png" type="image/png"/></item><item><title>QROPS vs SIPP for Expats in Malaysia: Which Pension Structure Is Right for You?</title><link>https://bratucapital.com/post/qrops-vs-sipp-expats-malaysia-2026</link><guid>https://bratucapital.com/post/qrops-vs-sipp-expats-malaysia-2026</guid><description><![CDATA[Compare QROPS and SIPP for British expats in Malaysia. Understand the Overseas Transfer Charge, Malaysia FSI exemption to 2036, CETV considerations, and the decision framework.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Pension</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/e1482d89-ea47-4ca2-8e6e-df810109c5a6.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/e1482d89-ea47-4ca2-8e6e-df810109c5a6.png" type="image/png"/></item><item><title>German Expat Investment in Malaysia: Tax Treaties and Fund Selection 2026</title><link>https://bratucapital.com/post/german-expat-investment-malaysia-tax-treaties-2026</link><guid>https://bratucapital.com/post/german-expat-investment-malaysia-tax-treaties-2026</guid><description><![CDATA[Abgeltungsteuer, Investmentsteuergesetz, Riester vs Rürup, and the Germany-Malaysia DTA. How German executives in KL should structure their investments and pension planning.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/a6a0d8c5-d9e2-402e-a433-6464706eb9e4.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/a6a0d8c5-d9e2-402e-a433-6464706eb9e4.png" type="image/png"/></item><item><title>Dollar at 98: The 6-Day Currency Window Before Warsh Speaks</title><link>https://bratucapital.com/post/dxy-98-warsh-confirmation-may-15-expat-currency-window-2026</link><guid>https://bratucapital.com/post/dxy-98-warsh-confirmation-may-15-expat-currency-window-2026</guid><description><![CDATA[DXY hit 98.16 while the Fed holds. Warsh's May 15 hearing could reverse dollar weakness. How European and Asian expats should position now.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>FX</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/f1ddfef0-6689-4d31-8c84-bf5f08c719a7.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/f1ddfef0-6689-4d31-8c84-bf5f08c719a7.png" type="image/png"/></item><item><title>EPF for European Expats in Malaysia: Contributions, Returns, and What Happens When You Leave</title><link>https://bratucapital.com/post/epf-contributions-european-expats-malaysia-2026</link><guid>https://bratucapital.com/post/epf-contributions-european-expats-malaysia-2026</guid><description><![CDATA[How the Employees Provident Fund works for non-citizens in Malaysia. Contribution rates, dividend history, Akaun Fleksibel, tax treatment, and full withdrawal on departure.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/61778345-abee-438c-9ac2-598c70567afe.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/61778345-abee-438c-9ac2-598c70567afe.png" type="image/png"/></item><item><title>Dutch 30% Ruling Exit: Financial Planning When You Move to Southeast Asia</title><link>https://bratucapital.com/post/dutch-30-percent-ruling-exit-financial-planning-southeast-asia</link><guid>https://bratucapital.com/post/dutch-30-percent-ruling-exit-financial-planning-southeast-asia</guid><description><![CDATA[What happens to the 30% ruling, AOW pension, box 3 wealth tax, and conserverende aanslag when Dutch professionals relocate to Malaysia, Singapore, or Thailand.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/e5e1668e-e692-436a-b784-9ac8e0f9a81d.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/e5e1668e-e692-436a-b784-9ac8e0f9a81d.png" type="image/png"/></item><item><title>UCITS vs US ETFs: The Tax Case for European Expats in Southeast Asia</title><link>https://bratucapital.com/post/ucits-vs-us-etfs-tax-case-european-expats-southeast-asia</link><guid>https://bratucapital.com/post/ucits-vs-us-etfs-tax-case-european-expats-southeast-asia</guid><description><![CDATA[Why Irish-domiciled accumulating UCITS ETFs are structurally superior to US ETFs for European expats in Southeast Asia. US estate tax, withholding tax, and accumulating share class advantages explained.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/26fba331-42f3-4a89-9abb-52c74f7f3ad3.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/26fba331-42f3-4a89-9abb-52c74f7f3ad3.png" type="image/png"/></item><item><title>BoE June 2026: British Expat Pension Action Before the Rate Decision</title><link>https://bratucapital.com/post/boe-june-2026-british-expat-pension-drawdown-rate-decision</link><guid>https://bratucapital.com/post/boe-june-2026-british-expat-pension-drawdown-rate-decision</guid><description><![CDATA[UK CPI hit 3.3% and the BoE's June 18 decision is live. British expats with GBP pension drawdown plans need to review real-return assumptions now.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Pension</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/bde89baf-0aea-47d2-967b-a43a3c8a8721.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/bde89baf-0aea-47d2-967b-a43a3c8a8721.png" type="image/png"/></item><item><title>Trump-Xi Summit in Doubt: The Trade Risk Expats in Asia Must Watch</title><link>https://bratucapital.com/post/trump-xi-summit-in-doubt-trade-risk-expat-asia-2026</link><guid>https://bratucapital.com/post/trump-xi-summit-in-doubt-trade-risk-expat-asia-2026</guid><description><![CDATA[The US-China Geneva deal is cracking and the summit has no confirmed date. For expats in Singapore and KL, this is the biggest underpriced risk in May 2026.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/406fda78-2289-47de-92aa-491066ff43d7.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/406fda78-2289-47de-92aa-491066ff43d7.png" type="image/png"/></item><item><title>French Expat Pension Options in Southeast Asia: 2026 Guide</title><link>https://bratucapital.com/post/french-expat-pension-options-southeast-asia-2026</link><guid>https://bratucapital.com/post/french-expat-pension-options-southeast-asia-2026</guid><description><![CDATA[CNAV, AGIRC-ARRCO, PER, and DTA rules for French expats in Malaysia, Singapore, and Thailand. How to draw French pensions from abroad and what the 2023 pension reform changed.]]></description><pubDate>2026-05-09T00:00:00.000Z</pubDate><category>Pension</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/0ec20e05-b44f-49c8-aece-c3a63d015762.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/0ec20e05-b44f-49c8-aece-c3a63d015762.png" type="image/png"/></item><item><title>Oil Fell 8%, Gold Rose: The De-Escalation Trade and What It Means for Expat Portfolios</title><link>https://bratucapital.com/post/gold-rises-oil-falls-de-escalation-expat-portfolio-2026</link><guid>https://bratucapital.com/post/gold-rises-oil-falls-de-escalation-expat-portfolio-2026</guid><description><![CDATA[Brent crude fell 8% on Trump's Iran halt while gold rose. The Strait remains closed. We explain the macro transmission mechanism and what expats should do with their portfolios.]]></description><pubDate>2026-05-07T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/5b06a7b6-3d7c-4db1-aca5-d0a86240ec47.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/5b06a7b6-3d7c-4db1-aca5-d0a86240ec47.png" type="image/png"/></item><item><title>BNM Holds at 2.75%: Why Malaysia's Fifth Consecutive Rate Hold Is the Best News for KL Expats in 2026</title><link>https://bratucapital.com/post/bnm-rate-hold-malaysia-fifth-hold-expats-2026</link><guid>https://bratucapital.com/post/bnm-rate-hold-malaysia-fifth-hold-expats-2026</guid><description><![CDATA[Bank Negara Malaysia holds at 2.75% for the fifth consecutive meeting. The IMF upgrades Malaysia GDP to 4.7% and the MYR is up 2.64% YTD. What this means for European expats in KL.]]></description><pubDate>2026-05-07T00:00:00.000Z</pubDate><category>FX</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/69f36948-0697-465e-82f3-faa015341f1b.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/69f36948-0697-465e-82f3-faa015341f1b.png" type="image/png"/></item><item><title>UK Sanctions Deadline May 13: What Expats with Cross-Border Structures Must Do Now</title><link>https://bratucapital.com/post/uk-sanctions-may-13-expat-cross-border-structures-2026</link><guid>https://bratucapital.com/post/uk-sanctions-may-13-expat-cross-border-structures-2026</guid><description><![CDATA[New UK end-user licensing requirements take effect across all 36 sanctions regimes on May 13. European expats with cross-border holdings must act this week.]]></description><pubDate>2026-05-07T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/a630bc9f-4526-43ef-ad27-ea7ea4a9065f.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/a630bc9f-4526-43ef-ad27-ea7ea4a9065f.png" type="image/png"/></item><item><title>UAE Under Direct Iranian Attack: What Gulf-Based Expats Must Do With Their Portfolio Now</title><link>https://bratucapital.com/post/uae-iran-missile-attack-fujairah-gulf-expats-2026</link><guid>https://bratucapital.com/post/uae-iran-missile-attack-fujairah-gulf-expats-2026</guid><description><![CDATA[Iran struck UAE soil for the first time since the April ceasefire, hitting a Fujairah oil facility on May 4. For European expats in the Gulf, here is what this means and what to do.]]></description><pubDate>2026-05-06T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/f9dfb1a1-01c3-44fa-a031-68930fd087a5.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/f9dfb1a1-01c3-44fa-a031-68930fd087a5.png" type="image/png"/></item><item><title>Malaysia's New Foreign Property Rules: What the January 2026 Stamp Duty Change Means for Expat Buyers</title><link>https://bratucapital.com/post/malaysia-foreign-stamp-duty-property-mm2h-tiers-2026</link><guid>https://bratucapital.com/post/malaysia-foreign-stamp-duty-property-mm2h-tiers-2026</guid><description><![CDATA[From January 2026, foreign buyers in Malaysia pay 4-8% stamp duty. Combined with the MM2H four-tier restructure, the property ownership equation has changed materially for European expats.]]></description><pubDate>2026-05-06T00:00:00.000Z</pubDate><category>Investment</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/d04b523b-bb98-4577-8ebd-73c2d42ba75f.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/d04b523b-bb98-4577-8ebd-73c2d42ba75f.png" type="image/png"/></item><item><title>UK 30-Year Gilt Yields Hit 5.78%: The DB Pension Window British Expats Must Act On</title><link>https://bratucapital.com/post/uk-30-year-gilt-record-high-british-expat-db-pension-2026-3848</link><guid>https://bratucapital.com/post/uk-30-year-gilt-record-high-british-expat-db-pension-2026-3848</guid><description><![CDATA[UK 30-year gilt yields hit a 28-year high at 5.78%. For British expats with DB pensions, rising gilt yields are compressing CETV values in real time. Here is what to do now.]]></description><pubDate>2026-05-06T00:00:00.000Z</pubDate><category>Pension</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/58cc5901-65e6-47e0-97fa-5aaf577ca353.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/58cc5901-65e6-47e0-97fa-5aaf577ca353.png" type="image/png"/></item><item><title>UK 30-Year Gilt Yields Hit 5.78%: The DB Pension Window British Expats Must Act On</title><link>https://bratucapital.com/post/uk-30-year-gilt-record-high-british-expat-db-pension-2026</link><guid>https://bratucapital.com/post/uk-30-year-gilt-record-high-british-expat-db-pension-2026</guid><description><![CDATA[UK 30-year gilt yields hit a 28-year high at 5.78%. For British expats with DB pensions, rising gilt yields are compressing CETV values in real time. Here is what to do now.]]></description><pubDate>2026-05-06T00:00:00.000Z</pubDate><category>Pension</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/58cc5901-65e6-47e0-97fa-5aaf577ca353.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/58cc5901-65e6-47e0-97fa-5aaf577ca353.png" type="image/png"/></item><item><title>Kevin Warsh Takes Over the Fed: What the Most Hawkish Transition Since 1992 Means for Expat Currency Strategy</title><link>https://bratucapital.com/post/kevin-warsh-fed-transition-expat-currency-window-2026</link><guid>https://bratucapital.com/post/kevin-warsh-fed-transition-expat-currency-window-2026</guid><description><![CDATA[Four FOMC dissents, Powell exits May 15, Warsh confirmed. The most hawkish Fed transition since 1992 arrives during an oil shock. Here's what it means for GBP/MYR and EUR/MYR expats.]]></description><pubDate>2026-05-05T00:00:00.000Z</pubDate><category>FX</category><content:encoded/><media:content>https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/91983c5b-4c51-4ad5-b4ab-6cc2fe9528a7.png</media:content><enclosure url="https://assets.cdn.filesafe.space/UL17cPfKOTbTdmVfpK2O/media/91983c5b-4c51-4ad5-b4ab-6cc2fe9528a7.png" type="image/png"/></item></channel></rss>