AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Blog Feature

Investment | Financial Planning

Why my money is in passively managed funds

By: Sam Instone
May 25th, 2018

Last week one blog I published caused a flurry of questions to my inbox.

It caused confusion.

Sparked curiosity.

And a little anger.

The greatest reaction stemmed from one sentence:

“My own money is in firms such as DFA moving forwards.”

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Blog Feature

Financial Education

How to get more from your mornings (I have about 5,775 left)

By: Sam Instone
May 23rd, 2018

[Estimated reading time: 4 minutes, 4 seconds - read while you plan your morning's to-do list]

Breaking our lives down into numbers can be scary.

We usually feel one of two things. 

Terror, followed by no action. 

Epiphany, followed by an intense desire to improve.

I read an article recently from one of my favourites, James Clear, which had the latter effect.

How does the thought of having only 25,000 mornings in your adult life make you feel?

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Blog Feature

Investment

My favourite time frame is forever

By: Sam Instone
May 22nd, 2018

I borrowed that title from the words of legendary investor Warren Buffet.

He’s talking about market timing.

Trying to get in just before prices start to rise.

And out again as they’re about to fall.

In. Out.

It’s exhausting thinking about it.

Worse still, it’s utterly pointless.

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Blog Feature

Financial Education

Why I’m learning about learning

By: Sam Instone
May 17th, 2018

I’m an avid reader.

It’s about personal development.

Which is why I am learning everything I can about learning.

My first stop on that journey is the book Make It Stick, by Peter C. Brown, Henry L. Roediger, III, and Mark A. McDaniel.

A novelist and two cognitive scientists.

My key takeaway?

Elaborate on what you learn to help make it stick.

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Blog Feature

Investment

The best investment funds today (backed up by data)

By: Sam Instone
May 16th, 2018

You’re probably not a good investor…

These aren’t my words.

They’re the statistical reality.

As described by Dan Solin, the New York Times bestselling author of ‘The Smartest’ series of investing books and The Smartest Sales Book You’ll Ever Read.

According to Dan, the “average investor” tends to panic when markets drop.

This causes them to miss out on the relatively few days when the market posts stellar returns. 

Buying high and selling low.

Because of this, they enjoy annualised returns of just 2%.

Barely keeping up with inflation.

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Blog Feature

Investment

Diversification: The only free lunch in investing

By: Sam Instone
May 15th, 2018

In the early 1950s, Nobel Prize-winning economist Harry Markowitz started writing about diversification.

He says it’s just as critical today.

So why do so many investors fail to take advantage of it?  

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Blog Feature

Financial Planning | Financial Education

How to bounce back after slipping up

By: Sam Instone
May 10th, 2018

I’m a huge fan of James Clear.

He’s an author focused on habits and decision making.

His ideas come from a wide range of disciplines, including biology, neuroscience, psychology, philosophy.

In other words, evidence.

Like us, he’s also mission-driven

At the core is a simple, but powerful question.

How can we live better?

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Blog Feature

Investment

Why you should care about survivorship bias

By: Sam Instone
May 9th, 2018

Someone once said that failure is your greatest teacher.  

However, it’s success stories that are used as blueprints for the way things should be done.

Failures become invisible.

Successes more visible.

Enter ‘survivorship bias’, explained in under 3 minutes with our latest video.

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