As an international educator, you are likely to have some extra savings lying around that are not working as hard as they might be in terms of returns. Developing a consistent saving habit is important as overtime it can provide you with a healthy stock of cash without the feeling of missing money month to month (e.g. consistently depositing $500 per month can turn into a lump sum of $60,000 after 10 years).

However, instead of leaving money in savings accounts, many international teachers and other expats choose to invest a portion of their savings (and subsequent earnings) in stocks and bonds. Over medium or long term, savings can return more than they would in a regular savings account, due to compounding interest.

Although there are numerous guides and books on the topic, Millionaire Teacher by Andrew Hallam (a former high school English teacher) breaks down the stock market and investment for the lay person, offering advice on secure and relatively low-risk investment strategies that are likely to yield healthy returns in the medium – long term.

Again, some countries may have barriers to opening a stock portfolio due, amongst other things, to bank unreliability. One company that seems unaffected by this is Swissquote (formerly Internaxx), allowing you to set up a trading account and build your portfolio in a range of countries.



It is always very important to verify information and conduct your own research. The recommendations above come from personal experience of those on International Teacher’s Hub team and should be treated as such.

Also, be careful when introduced to financial support and planning in school – often the middleman ends up taking far more of a cut than he should!