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AES International Wealth Management & Employee Benefits Blog

You Ask, We Answer

Answering your questions... to help you feel relieved, confident, empowered – and good about your wealth.

Sam Instone

Sam Instone, Director at AES International, is passionate about positive change and ensuring international investors get better results.

Blog Feature

Financial Education

Is it normal to fight with your spouse about money?

By: Sam Instone
May 16th, 2019

The second leading cause of divorce is…

MONEY!

Whether it’s asymmetric earnings or excessive spending habits…

Money problems are marriage killers.

What can be done to sort this out before it’s too late?

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Blog Feature

Investment | Financial Planning | Financial Education

Can I trust my financial adviser? [video]

By: Sam Instone
May 14th, 2019

It’s no secret.

There is a huge trust deficit in my profession.

And with good reason.

Historically, ‘financial genocide’ against expatriates had been commonplace…

With poor performance, a lack of transparency, and sky-high concealed charges.

This baggage results in a question I hear time and time again.

“Can I trust my financial adviser”?

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Blog Feature

Investment | Pensions | Financial Planning

I want to retire with £10 million. How much should I save?

By: Sam Instone
May 7th, 2019

£10 million is a lot of money.

For most, it seems impossible to accrue.

But it can be done…

With discipline and a plan of action.

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Blog Feature

Investment | Financial Planning | Financial Education

Do you really need to meet your adviser in person?

By: Sam Instone
May 2nd, 2019

Many investors yearn for face-to-face advice.

Personalised service from someone they can ‘trust’.

Evolution makes us this way.

But it also makes us bad investors.

Here’s why face-to-face advice may be the most expensive mistake you ever make…

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Blog Feature

Investment | Financial Planning

Can I ever trust anyone who works in finance?

By: Sam Instone
April 22nd, 2019

My grandmother trusted a stockbroker in a pin-striped suit.

My parents, a ‘charismatic IFA’ who’d visit their house or meet my father at his office or golf club.

Neither of these methods worked.

Overseas; financial train wrecks, car crashes and minefields abound.

In the jungle of banks, brokerages, insurance companies and advisers – is there anyone out there you can trust to care about YOU?

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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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