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AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Blog Feature

Investment | Financial Planning

“I currently have money invested through [XXXXXXX] but my portfolio isn’t performing well. Can you tell me why?”

By: Sam Instone
April 11th, 2019

One late spring afternoon, this question arrived by LinkedIn message.

It joined the deluge of others.

From expats with ambitious dreams for the future who were similarly frustrated.

If not, fed up.

The truth is, a little knowledge is power.

It’s not hard to get much better results if you know how.

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Blog Feature

Investment | Financial Planning

Is investing a science or an art? It's both. If you disagree, read this. By the end, we will see eye to eye.

By: Sam Instone
April 9th, 2019

Most fields outside of academia are a balance of science and art.

Including investing.

It’s human and emotional.

Yet based on data, years of research and evidence.

Who disagrees?

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Blog Feature

Investment | Financial Planning

Why the ‘world's largest fund company you've probably never heard of’ only allows access to its funds through hand-picked advisers

By: Sam Instone
April 4th, 2019

 A few days ago, I posted about active, passive and Dimensional funds.

Dimensional Fund Advisors (DFA) are known for being “the world’s largest fund company you have probably never heard of”…

Insiders know them for their Nobel prize-winning research and evidence-based approach to maximising expected returns.

One follower asked, “Why can Dimensional funds only be accessed through a financial adviser?”

The answer deserves a blog of its own.

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Blog Feature

Investment | Financial Education

This will get a few of you up in arms. But if you want to hear a bunch of comforting lies then you've subscribed to the wrong blog

By: Sam Instone
March 28th, 2019

This morning, a ‘precious metals' conference was promoted on the radio.

Lots of ‘experts’ making wild predictions.

I’m tired of the media portraying gold as a good investment.

The evidence clearly proves otherwise.

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Blog Feature

Investment | Financial Education

Are you more Patrick Swayze in Point Break or Christopher Columbus? (Because this says a lot about the type of investor you are).

By: Sam Instone
March 25th, 2019

I love an analogy.

Especially one which relates to finance.

I recently read a great one which explains volatility.

If that’s a part of investing you find discomforting…

Perhaps this will help.

(Hat tip to Ric Edelman, head of America’s largest independent investment adviser).

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Blog Feature

Financial Education

Why I'm talking about the link between the military and investing - all over Facebook

By: Sam Instone
March 21st, 2019

I’m testing some Facebook ads right now.

The image shows me on a tank.

Someone commented,

"What does the military have to do with investing?".

Quite a lot, actually.

Here are 4 ways they're connected.

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Blog Feature

Financial Planning

To own, rent or hail (think Uber). That is the question. Time to keep your investing head; it's just another paradigm shift.

By: Sam Instone
March 19th, 2019

As expats, we’re often torn between renting and owning.

Everything from cars to property.

I touched on the latter last week.

Today, let’s talk cars.

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Blog Feature

Investment | Financial Planning

An eye-opening post on how evidence-based investing is giving investors (like you) the upper hand

By: Sam Instone
March 14th, 2019

This post may contradict most things you know about financial services.

But it’s an attempt to reveal the truth about a broken model.

Hopefully, it will help get you better results.

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