AES International Wealth Management & Employee Benefits Blog

The Scientific Investor

Intelligent ideas to make you healthy, wealthy and wise.

Sam Instone

Sam Instone, CEO at AES International, is passionate about positive change and ensuring expat investors get the best results.

Blog Feature

Financial Planning

The science of your increased success (from the laws of physics to the psychology of achievement)

By: Sam Instone
April 6th, 2018

According to scientific evidence, your increased success relies on just one thing…

Getting started.

So, why settle for average when you can be so much more?

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Blog Feature

Financial Planning

Where are all the billionaires?

By: Sam Instone
April 4th, 2018

Considering how many millionaires there were in the world in the 1900s, there should be far more billionaires today.

That’s the theme of an absorbing TED talk by former fund manager Victor Haghani.

In the follow short interview, Haghani offers his fascinating insight into why so many millionaires underperformed…

…discover how you can achieve your full wealth potential…

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Blog Feature

Financial Planning

You today vs. you tomorrow (3 tips + 1 video)

By: Sam Instone
March 21st, 2018

A Harvard study looking at procrastination[i] provides the perfect introduction to the final video in our Value of Advice series.

Professors have discovered why we avoid doing the things we know we should.

It’s because we care more about our present selves than our future selves.

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Blog Feature

Financial Planning

How to resist temptation, stick to investment goals (and grow wealthier...)

By: Sam Instone
March 15th, 2018

Learning to say “no” is one of the most useful skills you can develop to enjoy a healthier and wealthier life.

  • Saying no to unnecessary commitments gives you more time;
  • Saying no to distractions helps you focus on what’s important; and
  • Saying no to temptations can improve wellbeing.

But, clamping down on emotions and getting past the pressures of everyday life is challenging. 

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Blog Feature

Financial Planning

Cost is one of the most important factors for your investment success (3rd Value of Advice video)

By: Sam Instone
March 8th, 2018

You can't control the markets, but you can control how much you’re willing to pay to invest.

As an investor, every dollar you pay for management fees or trading commissions is a dollar less of potential return.

And costs for overseas and international investors like you are often many times higher than back home. 

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Blog Feature

Investment

Effective asset allocation - in a nutshell (2nd Value of Advice video)

By: Sam Instone
February 28th, 2018

Continuing your investment in knowledge, the second part of The Value of Advice video series explores how to invest to achieve your financial goals.

Part of the answer lies in choosing the right asset allocation. 

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Blog Feature

Financial Planning

Do I need a financial adviser? (1st video in a 5-part series about The Value of Advice)

By: Sam Instone
February 23rd, 2018

[Estimated reading time: 1 minute, 45 seconds - Read while you have your afternoon tea break]

I couldn’t sleep a wink last night because I was so excited

You see, our office wall has a quote from Nelson Mandela. 

It reads: "education is the most powerful weapon which you can use to change the world."

And today, we unveil the 1st of over 60 videos designed to help investors like you learn.

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Blog Feature

Investment

Do index funds perform better during a bear market? (5 formidable facts that prove passive investors will always win)

By: Sam Instone
February 15th, 2018

[Estimated reading time: 3 minutes - Read while rehydrating with an ice cold glass of water]

In bear and bull markets, over longer time periods, index funds always perform better than their active alternatives.

This is because:

1. Index funds have lower expense ratios, and 

2. They are passively managed, which removes the risk of human error.

Why then do we hear so many conflicting arguments from active fund managers, pundits and the financial press?

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