Worrywarts abound in international finance circles--there's always nail-biting about this currency fluctuation or that account deficit.

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There is also the risk of currency fluctuation which impacted revenues in Q2 2012, especially from Brazil.

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The more money involved, the greater the issue, since money transfers are subject to the vagaries of currency fluctuation.

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"The currency fluctuation will keep you up at night, " Mr. Lombardo says.

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There is also the risk of currency fluctuation which ate up a notable amount of revenues in Q2 2012, especially from Brazil.

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Currency fluctuation, a lack of financial transparency, currency control regulation, and other characteristics of many emerging markets keep the less informed investor away from these markets.

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None of this is to gloss over the fact that international investing does carry risk of currency fluctuation, questionable accounting practices (which Americans are by no means immune to at home, either) and, for some countries, political instability.

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Overseas travelers have long faced this problem: How can you protect yourself abroad from a wild fluctuation in exchange rates and nagging fees charged by banks and currency changers?

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