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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.

Stuart Ritchie

Stuart Ritchie is a Chartered Financial Planner, APFS, Chartered Wealth Manager, Chartered FCSI

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Financial Education

Insider secrets: how salespeople make money on your investments (updated for 2019)

By: Stuart Ritchie
August 23rd, 2019

Many investment scandals have crawled out of the woodwork recently.

Cases of investors losing their life savings to hidden commissions and toxic products have dominated news headlines.

Investors want answers.

They want to avoid the same thing happening to them.

Here’s how.

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Investment | Financial Education

Can you afford the retirement you want?

By: Stuart Ritchie
August 22nd, 2019

In life, nothing’s certain…

Not your job, your health, your lifestyle, nor the money in your bank.

But like death and taxes, one thing is for sure…

You need a plan.

One that you believe will work for you and your goals.

So you can successfully reach your ideal future.

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Traditional financial services reward those selling products, not you. Watch our free video to learn 3 secrets to getting scientifically proven better results. By the end of it, you should feel relieved, confident, empowered and good about your future because everything begins and ends with you.

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Investment | Financial Education

This UAE-based lawyer lost 11% of his £600,000 investment to hidden commissions – here’s how

By: Stuart Ritchie
August 15th, 2019

Ever heard of an investing black hole?

Essentially, your money is sucked in…

And never seen again.

Don’t believe me?

Read this client’s story.

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Investment | Financial Education

3 easy ways you can harness the power of the stock market

By: Stuart Ritchie
July 31st, 2019

This morning I flicked through Sky News on my iPhone…

While waiting in line at Starbucks.

In 10 minutes, I interacted with 3 companies on the stock market.

There’ll be hundreds more throughout the day…

Why am I telling you this?

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Blog Feature

Financial Education

What questions should I be asking my adviser?

By: Stuart Ritchie
July 18th, 2019

Money is a tabooQuestioning is critical.

The right ones can change your life.

And improve your odds of long-term investment success.

Here are just a few insider secrets. 

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Investment | Financial Education

30 years of investment excuses, that the market happily ignored [infographic]

By: Stuart Ritchie
July 15th, 2019

Every year, global events shape our countries…

Our economies.

But happily ignoring these events,

(in term of our investments, at least),

Is the best course of action.

After all, it’s what the market does…

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Financial Planning | Financial Education

This is how random global returns are

By: Stuart Ritchie
July 10th, 2019

"Market data doesn't lie. So we've made a crucial decision. We're not going to try and win a few hands - we're going to own the casino" - Matt Hall

I love this quote by Matt Hall in his book, Odds On.

He’s comparing ‘traditional’, speculative investing with a ‘systematic’ or evidence-based approach.

Like a roulette wheel, global equity returns are random.

Winning big may occasionally happen.

But this is down to dumb luck.

Here’s the proof.

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Blog Feature

Investment | Financial Education

Why are you so convinced that picking stocks doesn't work?

By: Stuart Ritchie
June 30th, 2019

Outguessing market prices.

Picking the next winner.

Finding a truly undervalued investment.

All proponents of the traditional approach to investing…

Yet all, according to evidence, impossible.

Here’s why.

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