NovAsia

Protecting capital and overseas assets

These guides examine the property’s role in a wider capital plan rather than an advertised return: currency of price and costs, concentration, cash flow, reserves, liquidity and exit. An overseas asset is not automatically a safer asset. Define the objective and acceptable risk first, then compare evidenced costs, income and sale routes.

Quick — 10-second read

Quick — 10-second read

  • Capital preservation starts with the time horizon and the amount of volatility or illiquidity you can tolerate, not with choosing a favourite asset. Cash, securities, gold and property behave very differently when you suddenly need access to funds.
  • Property can provide rental income and a tangible asset, but selling takes time and carries transaction costs. Financial assets are usually easier to move, while introducing their own market, banking and regulatory risks.
  • Do not compare assets only by past returns. Put currency exposure, holding period, costs, access to cash and a downside scenario into the same framework.

12 articles in this section

Searches every article in this section, not just the current page.

Owner costs

Condominium Management in Cambodia as an Investment Risk

How a building’s budget, fee collection, reserve planning and management quality affect rental demand, operating costs and an apartment’s resale value.

Investment & yield

The Risk of Identical Apartments After a Project Is Completed

Why owners in the same Phnom Penh condominium begin competing after handover, and how identical units can affect rents, incentives, vacancy and realised returns.

Apartment insurance

Condominium and apartment insurance

What a building-wide policy may cover and which risks stay with the apartment owner.

Hold or sell

Hold, renovate or sell after five years

How to compare net yield, building condition, renovation costs, resale liquidity, taxes and alternative investments.

Apartment liquidity

How to assess apartment liquidity

How to estimate who could buy the unit later and how long a sale may take — before you commit.

Buyer concentration

When a project depends on one country

Why a strong sales channel from China, Korea, Japan, Russia or another market can become a concentration risk and how to assess the capital exposure.

Investment & yield

Ready condo or off-plan in Cambodia

Choosing between a completed unit and off-plan: price, instalments, title, rental income, delay and exit risk.

Construction checks

How to verify a property construction update

A developer's photo or readiness percentage is a source, not proof of a milestone. Record provenance, reconcile with the SPA, keep a version log and resolve conflicts.

Yield and guarantees

Guaranteed rent and buy-back: what to check

How GRR and buy-back work, how total return differs from net profit, and where the risks hide.

Investing abroad

Where to invest money outside Russia

Foreign currency, overseas deposits, securities, gold and property compared by liquidity, risk and accessibility for $30,000-150,000.

Savings in dollars

How to protect savings in dollars: the working options

Cash, a currency account, gold and dollar real estate - the pros and cons of each, without promises of returns.

Diversification

How to diversify capital outside Russia

Foreign currency, overseas accounts, gold, securities and international property compared for capital connected to Russia.