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What you get

Andrew Hallam AES International

You get a scientific approach*

AES International Investor

*This was developed by Harry Markowitz, Economist and 1990 Nobel Prize Winner.

In short, he said:

'Don’t bet the ranch
Get more bang for your buck
Maximize output relative to input
Nothing ventured, nothing gained
Diversify instead of striving to make a killing
Don’t put all your eggs in one basket; if it drops, you’re in trouble
High volatility is like putting your head in the oven and your feet in the refrigerator.'

Sensible investment counts for nothing if you do it on shaky foundations.

You need to take 4 key decisions to reach safety:

Adviser selection

Step 1:
Adviser selection

Experience shows that for international investors, this will be the single greatest determinant of your overall experience and return. To learn more, download our sensible due diligence checklist for selecting a financial adviser.

Platform selection

Step 2:
Platform selection

Open architecture, no exit penalties, transparency and low costs await the well advised investor. The opposite lurk in wait for the poorly informed majority.

Asset allocation

Step 3:
Asset allocation

Numerous studies conclude around 90% of the variability of returns is determined by strategic asset allocation. A globally diversified portfolio that’s regularly rebalanced can boost your returns while spreading your risk.

Underlying investment selection

Step 4:
Underlying investment selection

The evidence demonstrates that over time, diversification through ETFs trumps stock picking and market timing.

Make smarter, safer decisions by understanding that if you get the first two steps wrong – steps 3 and 4 don’t matter.

Try it out »
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