AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Andrew Hallam

By investing intelligently, Andrew Hallam became a millionaire on a school teacher’s salary at the age of 36. Ever since, he’s dedicated his life to the financial education of others. As an acclaimed financial author, journalist and public speaker, Andrew works tirelessly to transform investors’ lives for the better. Andrew Hallam is an occasional guest writer for The Scientific Investor – and a firm friend of ours at AES International.

Blog Feature

Investment | Financial Education

Are you guilty of irrational decision making?

By: Andrew Hallam
May 1st, 2018

Imagine this: You’ve just booked an airline ticket.

But then you see a cheaper flight online.

The second flight’s departure time is much more convenient – and you could change your ticket without paying an extra fee.

It makes sense to switch flights.

But plenty of people, including Danny Kahneman, might be too afraid to do it.

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Blog Feature

Pensions | Financial Planning

Revealed: The biggest risks of the 4 percent retirement rule

By: Andrew Hallam
April 25th, 2018

You’ve probably heard of the 4 percent retirement rule.

It’s used to determine how much a retiree should withdraw from a retirement account each year.

The idea is the retiree receives a steady income stream, while maintaining a healthy account balance.

It’s considered safe by experts.

But what happens when it’s put to the test against falling markets?

And inflation-adjusted?

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Blog Feature

Financial Planning

Most expatriate investors lose to a box of cornflakes

By: Andrew Hallam
October 27th, 2017

[Estimated reading time: 4 minutes, 40 seconds - read while you enjoy your cornflakes]

Imagine this. 

Ten years ago, you invested £10,000.  Today, it’s worth £12,500.  Did you make money? 

It seems like a silly question….

But if this happened, your investments would have lost to a box of cornflakes.

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